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I just have a bit of an updated of advice for the investment to sort of go through with you today. Is now still a good time? Fantastic. How's your day been so far? Yeah. Fantastic. Oh. Excellent. Excellent. Just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Beautiful. And the security there with you as well, just to confirm your full name, your date of birth, and address just because we are discussing your personal information. Yeah. Yep. Beautiful. Thank you so much for that. Now do you happen to have access to your emails at all? Or if you don't, that's absolutely okay. I can just run through the recommendations, and then I can send the documents to you after. It's up to you. Yeah. Yeah. Beautiful. Well, if you like yeah. It's okay. I'll send this document through to your email just while you're heading over there. Excuse me. Hopefully, it pops through fairly quickly there for you. No. You're right. That's okay. Did you want me to start kind of running through it now, or did you wanna wait want me to wait for you to pull up the email so you can have a look at it with me, or what would you prefer? Yeah. That's okay. No. That's alright. You can always sort of run through it later sometimes. It's easier sort of when I am talking, you can see it in front of you. But at the same time, sometimes it's easier if I just run through the recommendations, and then you've got some time to go back and read the document and sort of, you know, decide whether you're happy to take those on or not. Okay? All good. Now when we sort of spoke last time, you wanted to sort of look at investing about $25,000 initially and then making regular contributions in and looking at maybe an investment portfolio, sorry, to see how that might look and what that can do for some of your funds there to keep it invested and keep it working harder for the future. So we have scoped in just a personal investment into this advice piece there for you. We've gone out there and had a really good look and looked at all the different investment options, the platforms available, and how do we invest the funds essentially to look at, you know, what it can do to help you moving forward. Sorry. My voice is running out a little bit today. So if I pause, I do apologize. We were looking at investing and starting with $25,000 and then making a regular contribution of a $100 on a weekly basis into the investment and looking at how this can go over the next sort of five to ten years and what it can do to sort of help you moving forward. Okay? With regard to the recommendation, I am recommending that we open the investment with Hub twenty four so it is then linked to your super. You can then have everything linked in the background and sort of help to hopefully save administration fees down the track there as well. With regards to the investment portfolio, we did look you are a little bit less so I am recommending that the funds be invested in the balanced growth portfolio, which is designed to see about 70% of the funds invested in those growth assets and still keeping you at 30% defensive, which is good. With the investment portfolio that I am recommending there for you, it has been an average five year rolling average there of 16.55%. If the market was to sorta continue providing that way by making this regular contribution over the next sort of five to ten years, you could see that money grow upwards of about $70,000 over the next ten years upwards to about $160,000. That is depending upon market reactions at the same time. Okay? It's averaged that over the last five years. Yeah. Yeah. It does. Insane that that's what it's done over the last five years. It is really important that we can sort of project this based on the past performance. However, I don't expect this portfolio to get 16% every year moving forward. We are seeing quite a bit of volatility with the markets and what is happening there. So the same with Yesuper. We're looking at what it has done on average over the past couple of years to kind of show us the expected in the future. But we know that markets react differently. Since some years, you might get a 25% return. Other years, it might be a 20% return. It could be 16%. It could also be a 10 or a 5% return some years as well. So it does just depend upon what the market is doing. And that's why we are recommending to continue with the dollar cost averaging. Putting a $100 in on a weekly basis means that you can take advantage of those market ups and downs. So when the market is not performing as well, you're still putting that $100 in. You're buying more units of the investment, and it helps to sort of even out the risk, even out your returns, and help to even out the buy price in the investments as well. Okay? Now the same as with this you're right. Sorry? Yeah. Yeah. This yeah. So this one here, if you have a look, it should be this. You open the email. I think it says a little it has a little sign button. If you click on that, it takes you through so you can see the statement of advice. Yeah. That's okay. It'll it won't ask you to sign anything until you've read it, so you don't have to sign anything. You get to take it back and read it as well. Yeah. Beautiful. Oh, good. If you're happy to I'm actually down on page number, sorry, 17 for you, which has got essentially the rundown of the recommendations and the cost involved. Yep. Perfect. Yeah. So you're looking at page number six 17. Is that right? It's the fee comparison table as the headline heading? Yep. No. All good. So you'll see that the current is showing the cash holding at the moment of the 20 $5,000. Obviously, they're sitting in cash. The recommended is they're investing into the high 20 4 investment option. You'll see the starting balance does go down slightly by a $161. That's the expected by cost sorry. The by cost of purchasing into the investments. The same as with your super, we do have administration fees, investment fees, any other fees applicable there, and the ongoing service fee, which for the investment that as it kind of went through initially is slightly different. So we just charge the one point, sorry, 1.1% on your super. Okay. Oh, so on your investment account I do apologize. It's a super accident. Essentially, that's on the super account. So we do expect based on the current balance there, the ongoing service fee for the first twelve months is $313. That's for us looking after the investment account alongside your super there, making sure that it is working harder for you. We'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there. Okay? Underneath that, you'll also see the contributions going in. So a $100 on a weekly basis just being a dollar cost average in. With Hub twenty four, if you wanted to be set up as a regular direct debit, they do direct debits once a month. So it'd be about $400 on a monthly basis coming out as a lump sum. Alternatively, you can set it up as, like, a BPay transaction from your from your net banking account, and you can do it on a weekly basis if you want it to be true dollar cost averaging. Okay? Yep. Perfect. Underneath that, you'll see the essentially, the balance growth investment option there. So it does show you the five year rolling average. As I mentioned, this portfolio has shown over the past five years to average about 16.55%. And underneath that, you'll see the projection table there as well. So projecting at four if the market performed the way it has over the past five years. In the next five years, by following the investment, you could end up with about 73,000. If you continued on over the next ten years, it could end up with about a 160. The benefits of having the investment account is unlike super, you can be putting as much money as you want into this. So if you have extra deposits you wanna put in each year or, you know, you've got a bit of extra money aside you wanted to have invested, you can make those deposits at any time. There's no caps. There's no restrictions on putting money into the investments. And these are very liquid investments. So if you need the money back at any point, we can always draw the funds out for you as well. Okay? Perfect. The next page does outline and show you essentially how the performance of the portfolio has performed over the last twelve months, three, and five years there for you. And if you were to scroll backwards for me, just to to page number 15, this is essentially the portfolio that will see the funds invested in and show you what it looks like and essentially the portfolio that has received the past performance. You can see that. Okay? So at the moment, you'll see you've got your liquid assets there at the very top. It is 25,000 to begin with. With the portfolio within Hub twenty four, they will start with the cybersecurity side of things. We essentially so sorry. We'll see about 4% invested in the beta share cybersecurity. Cybersecurity is still a great area of of growth, and it's important to have a little bit of that in your portfolio. You'll see some Europeans and Japanese exposure there, so giving you access to other markets. The Vanguard or WorldX US, so this is giving you exposure to all the other countries by The US. It's giving you exposure to some well established countries, but also making sure you're getting access to some smaller countries as well. Diversification is one of the biggest ways to mitigate long term market risk. So making sure you're invested in not just our country or The US or one or two countries. It's about making sure you're investing in all of them to take advantage of not only established markets and areas of current growth, but also market changes as well. So some countries will have up up and coming areas or may provide future growth. So having that sort of investment is really important. So with the Vanguard All World US sorry, ex US investment, you'll see about 7% invested in there. We also have the S and P 500 at at the moment and 25% to be invested in there. I know a lot of people are quite concerned with having investments in The US, but it is still a great place to be invested. Equities are seeing a little bit of ups and downs at the moment. However, with the S and P 500, you're essentially tracking the S and P 500 index, which means you're always gonna be invested in the top 500 companies. One of the important things with the S and P 500 index is that the investment committee that set up the index, they essentially meet every quarter, and they look at what companies are eligible to remain in the S and P 500. If they're no longer eligible, they are removed from that, and then other companies are put into place. And the S and P 500 index can encompass anywhere from 500 to 520 companies depending on who meets the criteria. So it's always a good sort of note that with that sort of investment, if something is underperforming, it is removed out of the index and something else is placed is put in the in its place. So you're always sort of tracking the top 500 of companies. Okay? With the data shares Aussie 200 there, so looking at the top 200 companies in Australia and on the ASX, which is important, it's always good to have some homegrown investments. And then we've also got some physical gold there as well. So this is a growth investment, but gold also works very defensively. So at times where your other investments or equities might not be performing as well, gold tends to do very well. Gold has seen lovely growth in the past this year, and it's also seeing some great growth just in the last week there as well. So it's always good to have a bit of physical gold there. And the Global x Physical Gold investment is physical gold. It's called Bullion, and it's held in the JPMorgan Chase Bank in The UK. Okay? Underneath that, we do have your defensive investments as well. So we've got the core composite bonds that are giving you exposure to income producing assets, like government and corporate bonds, and also the beta shares bank hybrids, which you do also hold in your super fund at the moment as well. Essentially, bank hybrids are, again, more of a defensive investment. They work in sort of two ways. So they do provide income a bit like bonds and 10 deposits do, but it also can be traded, and they tend to be sorry. Also, provide growth there as well. I do apologize. I'm losing my voice a little bit. So sorry. So bank hybrids are very defensive in nature. They are relatively low cost as well, and they tend to be very good for income producing. So one of the things we wanna see out of the portfolio is not only growth, but we wanna make sure your portfolio is generating incomes by way of dividends and coupon payments and interest payments out of the investments. So that gets reinvested back into your fund and helps to keep growing along with your regular dollar cost averaging into the investment. Does that all make sense so far? Yeah. Beautiful. Do you have that's okay. Do you have questions? You're welcome to ask me anything you like. If you, you know, need me to kinda backtrack or go over anything, feel free to let me know there, Jack. That's what you have me here for. Yep. Perfect. So the ongoing, sorry, the ongoing fee of 1.1%, that is based on the balance in the portfolio. But, essentially, the idea of percentage based fee is the same as your super ongoing service fee is that it fluctuates with the market. So, essentially, having having a look at the way the market is performing, if the market is doing really well, if your investment portfolio is getting higher returns, then it means that we're gonna obviously make more money as well. However, if the market does take a bit of a dip, it means that the ongoing sales, say, takes a bit of a dip there with it as well. So whilst there isn't a balance of the portfolio, we don't really have a way of just structuring it, so it comes out of only the growth. It has to kinda come out of the whole portfolio structuring. This way means that it does fluctuate with the market, so it is linked to the performance of your super in a way. Yeah. Yeah. No. All good. All good. Having a look. Everything else is pretty well straightforward there. That's kind of most of the recommendations that I kinda had to go through there. As I said, there's no implementation fees for coming on board or doing this. It the recommendations are completely up to you at the end of the day. Did you have any questions in relation to anything? Did you just wanna sorta take it back and have a bit of a read through the document? Or yeah. Yep. Absolutely. Yeah. So you'll be able to see your super fund and the investment account attached there. Be able to look at them both in the same place. There is obviously the advantages, disadvantages, and risks involved in this document, so you're welcome to go forward and have a look at those. We can link everything in the back end as well. So if it's able yeah. If we're able to link it up and help you save on administration fees in both your super and the investment, we'll absolutely do so. Having them both in the same platform means you'd be able to see them both on the same app, which is a benefit there for you, but also just making sure that you're aware that the money is invested in the market. The markets do react differently, and we're seeing a bit of volatility at the moment. So markets can go up and down there. But, yeah, you'll be able to see everything in the one place to make it nice and easy for you. If you do happen to need funds, all these investments are very liquid, so the money can be drawn out fairly quickly for you as well. Okay? Yeah. Oh, good. Correct. Yes. Markets have been very up and down. So purchasing in whilst I definitely do not try to time the market in any way, shape, or form. It's about just making sure that we understand that buying in and continuously dollar cost averaging is generally the best way to go. I can't tell when the top of the bottom of the market is, so I just don't don't try. Most people who try to pick the bottom top of the bottom tend to miss it. And if you miss it by a few days, you miss out on a lot of money. So we tend to just take a moment, buy into the investment. And then by dollar cost averaging, you're buying into all the investments and taking advantage of advantage of the market ups and downs. So when we see a downtime where the portfolio might be down a bit, your same amount of money goes in, you buy into those units into the investments at a discounted rate. And as the portfolio comes out and shows recovery, you'll actually have, you know, reduced your buy price a little bit, gained from a little bit more growth there as well. And the other buy a few more units of those investments, the best way to sort of look at it is if you own, say, CBA, sorry, and you bought that for, say, $50 per share, the next day it went up to, say, a $100 per share, you've made a 50% gain on that one. If it then the next day went down to $20 per share and you invested another $100 in, you're buying in at $20. So you end up buying more units to that investment than you would have initially with the same $100. And then the next day, it goes back up to a $100, and you own more units to that investment, and it's made more money for you. And you bought in at the dip without having to time the the market, essentially. So that's essentially how it works, and that's how we try to take advantage of these sorts of market conditions. Does that make sense? Yeah. Okay. Mhmm. Yep. Yeah. No. Yeah. Correct. Yeah. So yeah. Definitely. You'll actually get bank account information for the Hub twenty four investment account. And unlike your super, there's no contributions caps or anything like that. This is your money in your own name. So if you have a bit of extra cash you wanna put in on a random day or you feel like it's dropped a little bit, you wanna sort of take advantage of that, you can absolutely put more money in. You don't have to tell us. At the same time, if you want to have that conversation with me and work out whether it's a good time to buy, I'm I'm more than happy to sort of make that help you make that decision. So this investment is solely in your name that you get to add as much money or as little money as you want and have it growing for as long as you like. It is really important to note that the it is a personal investment account, and it is in your name. So it does mean that at each year at tax time, you'll get a tax statement, which will have to go to your accountant, and they'll have to account for any income or capital gains within the investment, and that'll get started to your personal tax return as well. Okay. Yeah. Perfect. Mhmm. Yeah. It does. So when you put the money into there, we initiate the tell Hub 24 what investments to buy into. Normally, when the money goes in if it goes in around about their cash management time, they'll do an automatic buy and sell. But if it's outside of their normal cash management week, then we'll initiate the buy and sell. But we get notified as soon as the money hits the account so we can press go straight away and have that money invested nice and quick for you. Yeah. Oh, good. Yeah. Absolutely. And you wanna make sure it's working. It's absolutely fine. And as part of your reviews, you and I'll go through your sleep, but we'll also look at your investment, look at how that's tracking, and talk about what the way the money is invested and what is happening, and we can update the advice moving forward to reflect changes that you might need to make. And you've got me here to obviously keep looking at it with you. So to the advantage of having this sort of account, building wealth for yourself, for your future, and your kids, and, you know, down the track, if you need that extra money for something, you've always got it there growing on the side. Yeah. Perfect. All good. Is there anything particular you wanted me to kinda touch base on? Did you wanna just take it some time to go back and have a read through it, or what would you yep. No. That's absolutely fine. Yeah. K. Yeah. That's perfectly fine. I'm happy to help you out. As I said, it's really I do apologize for taking a bit longer to get this presented to you. We've had a little bit of a backlog there, but I've been working overtime to get everything knocked out. And I wanna make sure we're here to help you, you know, meet your goals in every area. So looking forward to, you know, whatever you decide, I'm here to support you along the way. So and part of what I love about my job is the educational value. It's not just taking the money and investing it, but helping talk to you about what it's invested in, how it works, what we can do, and working towards your goals there as well. So yeah. Easy. All good. All good. Well, I'll let you go. You can go and look after Angus. I will you've got the documents there. Feel free to have a read through it. If you wanna talk to Erin, absolutely okay. And if you do happen to have any questions, let me know. Okay? Here you see. Yep. Yep. Yep. Just sign the document. It'll come back to me, and then we'll start by opening up the account. One of my lovely team will give you a call, get the bank details so we can organize the direct deposit into the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you. Yeah. Beautiful. All good. Lovely. Well, I will let you go there, Jack. I thank you so much for taking the time tonight to run through this with me. I hope you have a lovely evening. I'll let you go to, hang out with Angus, and have a good rest of your night. And you just let me know if there's anything that you need or any other questions you have. Does that sound okay? My pleasure. You have an amazing evening. Thank you for your time. Thanks. See you later. 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Jack. It's Dana from Oakview Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in. I just have a bit of an updated of advice for the investment to sort of go through with you today. Is now still a good time? Fantastic. How's your day been so far?\n\nYeah. Fantastic. Oh. Excellent. Excellent.\n\nJust before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Beautiful. And the security there with you as well, just to confirm your full name, your date of birth, and address just because we are discussing your personal information. Yeah.\n\nYep. Beautiful. Thank you so much for that. Now do you happen to have access to your emails at all? Or if you don't, that's absolutely okay.\n\nI can just run through the recommendations, and then I can send the documents to you after. It's up to you. Yeah. Yeah. Beautiful.\n\nWell, if you like yeah. It's okay. I'll send this document through to your email just while you're heading over there. Excuse me. Hopefully, it pops through fairly quickly there for you.\n\nNo. You're right. That's okay. Did you want me to start kind of running through it now, or did you wanna wait want me to wait for you to pull up the email so you can have a look at it with me, or what would you prefer? Yeah.\n\nThat's okay. No. That's alright. You can always sort of run through it later sometimes. It's easier sort of when I am talking, you can see it in front of you.\n\nBut at the same time, sometimes it's easier if I just run through the recommendations, and then you've got some time to go back and read the document and sort of, you know, decide whether you're happy to take those on or not. Okay? All good. Now when we sort of spoke last time, you wanted to sort of look at investing about $25,000 initially and then making regular contributions in and looking at maybe an investment portfolio, sorry, to see how that might look and what that can do for some of your funds there to keep it invested and keep it working harder for the future. So we have scoped in just a personal investment into this advice piece there for you.\n\nWe've gone out there and had a really good look and looked at all the different investment options, the platforms available, and how do we invest the funds essentially to look at, you know, what it can do to help you moving forward. Sorry. My voice is running out a little bit today. So if I pause, I do apologize. We were looking at investing and starting with $25,000 and then making a regular contribution of a $100 on a weekly basis into the investment and looking at how this can go over the next sort of five to ten years and what it can do to sort of help you moving forward.\n\nOkay? With regard to the recommendation, I am recommending that we open the investment with Hub twenty four so it is then linked to your super. You can then have everything linked in the background and sort of help to hopefully save administration fees down the track there as well. With regards to the investment portfolio, we did look you are a little bit less so I am recommending that the funds be invested in the balanced growth portfolio, which is designed to see about 70% of the funds invested in those growth assets and still keeping you at 30% defensive, which is good. With the investment portfolio that I am recommending there for you, it has been an average five year rolling average there of 16.55%.\n\nIf the market was to sorta continue providing that way by making this regular contribution over the next sort of five to ten years, you could see that money grow upwards of about $70,000 over the next ten years upwards to about $160,000. That is depending upon market reactions at the same time. Okay? It's averaged that over the last five years. Yeah.\n\nYeah. It does. Insane that that's what it's done over the last five years. It is really important that we can sort of project this based on the past performance. However, I don't expect this portfolio to get 16% every year moving forward.\n\nWe are seeing quite a bit of volatility with the markets and what is happening there. So the same with Yesuper. We're looking at what it has done on average over the past couple of years to kind of show us the expected in the future. But we know that markets react differently. Since some years, you might get a 25% return.\n\nOther years, it might be a 20% return. It could be 16%. It could also be a 10 or a 5% return some years as well. So it does just depend upon what the market is doing. And that's why we are recommending to continue with the dollar cost averaging.\n\nPutting a $100 in on a weekly basis means that you can take advantage of those market ups and downs. So when the market is not performing as well, you're still putting that $100 in. You're buying more units of the investment, and it helps to sort of even out the risk, even out your returns, and help to even out the buy price in the investments as well. Okay? Now the same as with this you're right.\n\nSorry? Yeah. Yeah. This yeah. So this one here, if you have a look, it should be this.\n\nYou open the email. I think it says a little it has a little sign button. If you click on that, it takes you through so you can see the statement of advice. Yeah. That's okay.\n\nIt'll it won't ask you to sign anything until you've read it, so you don't have to sign anything. You get to take it back and read it as well. Yeah. Beautiful. Oh, good.\n\nIf you're happy to I'm actually down on page number, sorry, 17 for you, which has got essentially the rundown of the recommendations and the cost involved. Yep. Perfect. Yeah. So you're looking at page number six 17.\n\nIs that right? It's the fee comparison table as the headline heading? Yep. No. All good.\n\nSo you'll see that the current is showing the cash holding at the moment of the 20 $5,000. Obviously, they're sitting in cash. The recommended is they're investing into the high 20 4 investment option. You'll see the starting balance does go down slightly by a $161. That's the expected by cost sorry.\n\nThe by cost of purchasing into the investments. The same as with your super, we do have administration fees, investment fees, any other fees applicable there, and the ongoing service fee, which for the investment that as it kind of went through initially is slightly different. So we just charge the one point, sorry, 1.1% on your super. Okay. Oh, so on your investment account I do apologize.\n\nIt's a super accident. Essentially, that's on the super account. So we do expect based on the current balance there, the ongoing service fee for the first twelve months is $313. That's for us looking after the investment account alongside your super there, making sure that it is working harder for you. We'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there.\n\nOkay? Underneath that, you'll also see the contributions going in. So a $100 on a weekly basis just being a dollar cost average in. With Hub twenty four, if you wanted to be set up as a regular direct debit, they do direct debits once a month. So it'd be about $400 on a monthly basis coming out as a lump sum.\n\nAlternatively, you can set it up as, like, a BPay transaction from your from your net banking account, and you can do it on a weekly basis if you want it to be true dollar cost averaging. Okay? Yep. Perfect. Underneath that, you'll see the essentially, the balance growth investment option there.\n\nSo it does show you the five year rolling average. As I mentioned, this portfolio has shown over the past five years to average about 16.55%. And underneath that, you'll see the projection table there as well. So projecting at four if the market performed the way it has over the past five years. In the next five years, by following the investment, you could end up with about 73,000.\n\nIf you continued on over the next ten years, it could end up with about a 160. The benefits of having the investment account is unlike super, you can be putting as much money as you want into this. So if you have extra deposits you wanna put in each year or, you know, you've got a bit of extra money aside you wanted to have invested, you can make those deposits at any time. There's no caps. There's no restrictions on putting money into the investments.\n\nAnd these are very liquid investments. So if you need the money back at any point, we can always draw the funds out for you as well. Okay? Perfect. The next page does outline and show you essentially how the performance of the portfolio has performed over the last twelve months, three, and five years there for you.\n\nAnd if you were to scroll backwards for me, just to to page number 15, this is essentially the portfolio that will see the funds invested in and show you what it looks like and essentially the portfolio that has received the past performance. You can see that. Okay? So at the moment, you'll see you've got your liquid assets there at the very top. It is 25,000 to begin with.\n\nWith the portfolio within Hub twenty four, they will start with the cybersecurity side of things. We essentially so sorry. We'll see about 4% invested in the beta share cybersecurity. Cybersecurity is still a great area of of growth, and it's important to have a little bit of that in your portfolio. You'll see some Europeans and Japanese exposure there, so giving you access to other markets.\n\nThe Vanguard or WorldX US, so this is giving you exposure to all the other countries by The US. It's giving you exposure to some well established countries, but also making sure you're getting access to some smaller countries as well. Diversification is one of the biggest ways to mitigate long term market risk. So making sure you're invested in not just our country or The US or one or two countries. It's about making sure you're investing in all of them to take advantage of not only established markets and areas of current growth, but also market changes as well.\n\nSo some countries will have up up and coming areas or may provide future growth. So having that sort of investment is really important. So with the Vanguard All World US sorry, ex US investment, you'll see about 7% invested in there. We also have the S and P 500 at at the moment and 25% to be invested in there. I know a lot of people are quite concerned with having investments in The US, but it is still a great place to be invested.\n\nEquities are seeing a little bit of ups and downs at the moment. However, with the S and P 500, you're essentially tracking the S and P 500 index, which means you're always gonna be invested in the top 500 companies. One of the important things with the S and P 500 index is that the investment committee that set up the index, they essentially meet every quarter, and they look at what companies are eligible to remain in the S and P 500. If they're no longer eligible, they are removed from that, and then other companies are put into place. And the S and P 500 index can encompass anywhere from 500 to 520 companies depending on who meets the criteria.\n\nSo it's always a good sort of note that with that sort of investment, if something is underperforming, it is removed out of the index and something else is placed is put in the in its place. So you're always sort of tracking the top 500 of companies. Okay? With the data shares Aussie 200 there, so looking at the top 200 companies in Australia and on the ASX, which is important, it's always good to have some homegrown investments. And then we've also got some physical gold there as well.\n\nSo this is a growth investment, but gold also works very defensively. So at times where your other investments or equities might not be performing as well, gold tends to do very well. Gold has seen lovely growth in the past this year, and it's also seeing some great growth just in the last week there as well. So it's always good to have a bit of physical gold there. And the Global x Physical Gold investment is physical gold.\n\nIt's called Bullion, and it's held in the JPMorgan Chase Bank in The UK. Okay? Underneath that, we do have your defensive investments as well. So we've got the core composite bonds that are giving you exposure to income producing assets, like government and corporate bonds, and also the beta shares bank hybrids, which you do also hold in your super fund at the moment as well. Essentially, bank hybrids are, again, more of a defensive investment.\n\nThey work in sort of two ways. So they do provide income a bit like bonds and 10 deposits do, but it also can be traded, and they tend to be sorry. Also, provide growth there as well. I do apologize. I'm losing my voice a little bit.\n\nSo sorry. So bank hybrids are very defensive in nature. They are relatively low cost as well, and they tend to be very good for income producing. So one of the things we wanna see out of the portfolio is not only growth, but we wanna make sure your portfolio is generating incomes by way of dividends and coupon payments and interest payments out of the investments. So that gets reinvested back into your fund and helps to keep growing along with your regular dollar cost averaging into the investment.\n\nDoes that all make sense so far? Yeah. Beautiful. Do you have that's okay. Do you have questions?\n\nYou're welcome to ask me anything you like. If you, you know, need me to kinda backtrack or go over anything, feel free to let me know there, Jack. That's what you have me here for. Yep. Perfect.\n\nSo the ongoing, sorry, the ongoing fee of 1.1%, that is based on the balance in the portfolio. But, essentially, the idea of percentage based fee is the same as your super ongoing service fee is that it fluctuates with the market. So, essentially, having having a look at the way the market is performing, if the market is doing really well, if your investment portfolio is getting higher returns, then it means that we're gonna obviously make more money as well. However, if the market does take a bit of a dip, it means that the ongoing sales, say, takes a bit of a dip there with it as well. So whilst there isn't a balance of the portfolio, we don't really have a way of just structuring it, so it comes out of only the growth.\n\nIt has to kinda come out of the whole portfolio structuring. This way means that it does fluctuate with the market, so it is linked to the performance of your super in a way. Yeah. Yeah. No.\n\nAll good. All good. Having a look. Everything else is pretty well straightforward there. That's kind of most of the recommendations that I kinda had to go through there.\n\nAs I said, there's no implementation fees for coming on board or doing this. It the recommendations are completely up to you at the end of the day. Did you have any questions in relation to anything? Did you just wanna sorta take it back and have a bit of a read through the document? Or yeah.\n\nYep. Absolutely. Yeah. So you'll be able to see your super fund and the investment account attached there. Be able to look at them both in the same place.\n\nThere is obviously the advantages, disadvantages, and risks involved in this document, so you're welcome to go forward and have a look at those. We can link everything in the back end as well. So if it's able yeah. If we're able to link it up and help you save on administration fees in both your super and the investment, we'll absolutely do so. Having them both in the same platform means you'd be able to see them both on the same app, which is a benefit there for you, but also just making sure that you're aware that the money is invested in the market.\n\nThe markets do react differently, and we're seeing a bit of volatility at the moment. So markets can go up and down there. But, yeah, you'll be able to see everything in the one place to make it nice and easy for you. If you do happen to need funds, all these investments are very liquid, so the money can be drawn out fairly quickly for you as well. Okay?\n\nYeah. Oh, good. Correct. Yes. Markets have been very up and down.\n\nSo purchasing in whilst I definitely do not try to time the market in any way, shape, or form. It's about just making sure that we understand that buying in and continuously dollar cost averaging is generally the best way to go. I can't tell when the top of the bottom of the market is, so I just don't don't try. Most people who try to pick the bottom top of the bottom tend to miss it. And if you miss it by a few days, you miss out on a lot of money.\n\nSo we tend to just take a moment, buy into the investment. And then by dollar cost averaging, you're buying into all the investments and taking advantage of advantage of the market ups and downs. So when we see a downtime where the portfolio might be down a bit, your same amount of money goes in, you buy into those units into the investments at a discounted rate. And as the portfolio comes out and shows recovery, you'll actually have, you know, reduced your buy price a little bit, gained from a little bit more growth there as well. And the other buy a few more units of those investments, the best way to sort of look at it is if you own, say, CBA, sorry, and you bought that for, say, $50 per share, the next day it went up to, say, a $100 per share, you've made a 50% gain on that one.\n\nIf it then the next day went down to $20 per share and you invested another $100 in, you're buying in at $20. So you end up buying more units to that investment than you would have initially with the same $100. And then the next day, it goes back up to a $100, and you own more units to that investment, and it's made more money for you. And you bought in at the dip without having to time the the market, essentially. So that's essentially how it works, and that's how we try to take advantage of these sorts of market conditions.\n\nDoes that make sense? Yeah. Okay. Mhmm. Yep.\n\nYeah. No. Yeah. Correct. Yeah.\n\nSo yeah. Definitely. You'll actually get bank account information for the Hub twenty four investment account. And unlike your super, there's no contributions caps or anything like that. This is your money in your own name.\n\nSo if you have a bit of extra cash you wanna put in on a random day or you feel like it's dropped a little bit, you wanna sort of take advantage of that, you can absolutely put more money in. You don't have to tell us. At the same time, if you want to have that conversation with me and work out whether it's a good time to buy, I'm I'm more than happy to sort of make that help you make that decision. So this investment is solely in your name that you get to add as much money or as little money as you want and have it growing for as long as you like. It is really important to note that the it is a personal investment account, and it is in your name.\n\nSo it does mean that at each year at tax time, you'll get a tax statement, which will have to go to your accountant, and they'll have to account for any income or capital gains within the investment, and that'll get started to your personal tax return as well. Okay. Yeah. Perfect. Mhmm.\n\nYeah. It does. So when you put the money into there, we initiate the tell Hub 24 what investments to buy into. Normally, when the money goes in if it goes in around about their cash management time, they'll do an automatic buy and sell. But if it's outside of their normal cash management week, then we'll initiate the buy and sell.\n\nBut we get notified as soon as the money hits the account so we can press go straight away and have that money invested nice and quick for you. Yeah. Oh, good. Yeah. Absolutely.\n\nAnd you wanna make sure it's working. It's absolutely fine. And as part of your reviews, you and I'll go through your sleep, but we'll also look at your investment, look at how that's tracking, and talk about what the way the money is invested and what is happening, and we can update the advice moving forward to reflect changes that you might need to make. And you've got me here to obviously keep looking at it with you. So to the advantage of having this sort of account, building wealth for yourself, for your future, and your kids, and, you know, down the track, if you need that extra money for something, you've always got it there growing on the side.\n\nYeah. Perfect. All good. Is there anything particular you wanted me to kinda touch base on? Did you wanna just take it some time to go back and have a read through it, or what would you yep.\n\nNo. That's absolutely fine. Yeah. K. Yeah.\n\nThat's perfectly fine. I'm happy to help you out. As I said, it's really I do apologize for taking a bit longer to get this presented to you. We've had a little bit of a backlog there, but I've been working overtime to get everything knocked out. And I wanna make sure we're here to help you, you know, meet your goals in every area.\n\nSo looking forward to, you know, whatever you decide, I'm here to support you along the way. So and part of what I love about my job is the educational value. It's not just taking the money and investing it, but helping talk to you about what it's invested in, how it works, what we can do, and working towards your goals there as well. So yeah. Easy.\n\nAll good. All good. Well, I'll let you go. You can go and look after Angus. I will you've got the documents there.\n\nFeel free to have a read through it. If you wanna talk to Erin, absolutely okay. And if you do happen to have any questions, let me know. Okay? Here you see.\n\nYep. Yep. Yep. Just sign the document. It'll come back to me, and then we'll start by opening up the account.\n\nOne of my lovely team will give you a call, get the bank details so we can organize the direct deposit into the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you. Yeah. Beautiful. All good. Lovely.\n\nWell, I will let you go there, Jack. I thank you so much for taking the time tonight to run through this with me. I hope you have a lovely evening. I'll let you go to, hang out with Angus, and have a good rest of your night. And you just let me know if there's anything that you need or any other questions you have.\n\nDoes that sound okay? My pleasure. You have an amazing evening. Thank you for your time. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jack.","start":2.72,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.1459193453192711},{"text":"It's Dana from Oakview Financial.","start":3.1999998,"end":4.96,"sentiment":"neutral","sentiment_score":0.1910199224948883},{"text":"How are you this afternoon?","start":4.96,"end":6.18,"sentiment":"neutral","sentiment_score":0.252996426820755},{"text":"I'm very well.","start":8.4,"end":9.36,"sentiment":"positive","sentiment_score":0.6005502541859945},{"text":"Thank you.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.6578274965286255}],"sentiment":"neutral","sentiment_score":0.331130952519529,"num_words":17,"start":2.72,"end":9.92},{"sentences":[{"text":"I had you booked in.","start":9.92,"end":10.88,"sentiment":"neutral","sentiment_score":0.3100473165512085},{"text":"I just have a bit of an updated of advice for the investment to sort of go through with you today.","start":10.88,"end":14.924999,"sentiment":"neutral","sentiment_score":0.1946762977611451},{"text":"Is now still a good time?","start":14.924999,"end":16.385,"sentiment":"neutral","sentiment_score":0.1889206568400065},{"text":"Fantastic.","start":18.445,"end":18.945,"sentiment":"positive","sentiment_score":0.48541730642318726},{"text":"How's your day been so far?","start":19.085,"end":20.865,"sentiment":"neutral","sentiment_score":0.2441767081618309}],"sentiment":"neutral","sentiment_score":0.22365231620959747,"num_words":39,"start":9.92,"end":20.865},{"sentences":[{"text":"Yeah.","start":23.645,"end":24.125,"sentiment":"neutral","sentiment_score":0.2398310899734497},{"text":"Fantastic.","start":24.125,"end":24.625,"sentiment":"positive","sentiment_score":0.5444574356079102},{"text":"Oh.","start":25.939999,"end":26.439999,"sentiment":"neutral","sentiment_score":0.1790396273136139},{"text":"Excellent.","start":27.06,"end":27.56,"sentiment":"positive","sentiment_score":0.4697750210762024},{"text":"Excellent.","start":27.859999,"end":28.359999,"sentiment":"positive","sentiment_score":0.4952464997768402}],"sentiment":"positive","sentiment_score":0.38566993474960326,"num_words":5,"start":23.645,"end":28.359999},{"sentences":[{"text":"Just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":29.539999,"end":34.019997,"sentiment":"neutral","sentiment_score":0.1971703300421888},{"text":"Are you happy to proceed with that?","start":34.019997,"end":35.72,"sentiment":"neutral","sentiment_score":0.20818233915737697},{"text":"Beautiful.","start":37.3,"end":37.78,"sentiment":"positive","sentiment_score":0.3866583704948426},{"text":"And the security there with you as well, just to confirm your full name, your date of birth, and address just because we are discussing your personal information.","start":37.78,"end":44.024998,"sentiment":"neutral","sentiment_score":0.1406105011701584},{"text":"Yeah.","start":46.885,"end":47.385,"sentiment":"neutral","sentiment_score":0.033301278948783875}],"sentiment":"neutral","sentiment_score":0.17206910707182804,"num_words":59,"start":29.539999,"end":47.385},{"sentences":[{"text":"Yep.","start":49.445,"end":49.945,"sentiment":"neutral","sentiment_score":0.03265443816781044},{"text":"Beautiful.","start":52.98,"end":53.48,"sentiment":"positive","sentiment_score":0.3700461983680725},{"text":"Thank you so much for that.","start":53.539997,"end":55.079998,"sentiment":"positive","sentiment_score":0.49202796320120495},{"text":"Now do you happen to have access to your emails at all?","start":55.219997,"end":58.019997,"sentiment":"neutral","sentiment_score":0.11038160944978397},{"text":"Or if you don't, that's absolutely okay.","start":58.019997,"end":59.699997,"sentiment":"neutral","sentiment_score":0.08991302310356072}],"sentiment":"neutral","sentiment_score":0.19662366262464612,"num_words":27,"start":49.445,"end":59.699997},{"sentences":[{"text":"I can just run through the recommendations, and then I can send the documents to you after.","start":59.699997,"end":63.78,"sentiment":"neutral","sentiment_score":0.13287049225148032},{"text":"It's up to you.","start":63.78,"end":64.815,"sentiment":"neutral","sentiment_score":0.1018062923103571},{"text":"Yeah.","start":68.735,"end":68.975006,"sentiment":"neutral","sentiment_score":0.07252592593431473},{"text":"Yeah.","start":68.975006,"end":69.215004,"sentiment":"neutral","sentiment_score":0.1115165650844574},{"text":"Beautiful.","start":69.215004,"end":69.695,"sentiment":"neutral","sentiment_score":0.26382744312286377}],"sentiment":"neutral","sentiment_score":0.1297455613190929,"num_words":24,"start":59.699997,"end":69.695},{"sentences":[{"text":"Well, if you like yeah.","start":69.695,"end":70.735,"sentiment":"neutral","sentiment_score":0.11410190016031266},{"text":"It's okay.","start":70.735,"end":71.395004,"sentiment":"neutral","sentiment_score":0.16846610605716705},{"text":"I'll send this document through to your email just while you're heading over there.","start":71.455,"end":75.475006,"sentiment":"neutral","sentiment_score":0.12923263226236617},{"text":"Excuse me.","start":75.615005,"end":76.515,"sentiment":"neutral","sentiment_score":0.05010781344026327},{"text":"Hopefully, it pops through fairly quickly there for you.","start":78.270004,"end":81.01,"sentiment":"neutral","sentiment_score":0.15788838267326355}],"sentiment":"neutral","sentiment_score":0.13243467611027882,"num_words":32,"start":69.695,"end":81.01},{"sentences":[{"text":"No.","start":94.365,"end":94.685,"sentiment":"neutral","sentiment_score":-0.043790459632873535},{"text":"You're right.","start":94.685,"end":95.165,"sentiment":"neutral","sentiment_score":-0.008907301351428032},{"text":"That's okay.","start":95.165,"end":95.645004,"sentiment":"neutral","sentiment_score":0.06405580975115299},{"text":"Did you want me to start kind of running through it now, or did you wanna wait want me to wait for you to pull up the email so you can have a look at it with me, or what would you prefer?","start":95.645004,"end":103.985,"sentiment":"neutral","sentiment_score":0.024724425942918588},{"text":"Yeah.","start":106.57,"end":107.07,"sentiment":"neutral","sentiment_score":0.022199880331754684}],"sentiment":"neutral","sentiment_score":0.023507280674363886,"num_words":49,"start":94.365,"end":107.07},{"sentences":[{"text":"That's okay.","start":107.45,"end":108.19,"sentiment":"neutral","sentiment_score":-0.10239290446043015},{"text":"No.","start":108.65,"end":108.89,"sentiment":"neutral","sentiment_score":-0.060414329171180725},{"text":"That's alright.","start":108.89,"end":109.61,"sentiment":"neutral","sentiment_score":-0.0009639300405979156},{"text":"You can always sort of run through it later sometimes.","start":109.61,"end":111.79,"sentiment":"neutral","sentiment_score":0.07206337228417396},{"text":"It's easier sort of when I am talking, you can see it in front of you.","start":111.93,"end":114.729996,"sentiment":"neutral","sentiment_score":0.093292216071859}],"sentiment":"neutral","sentiment_score":0.06278003812316925,"num_words":31,"start":107.45,"end":114.729996},{"sentences":[{"text":"But at the same time, sometimes it's easier if I just run through the recommendations, and then you've got some time to go back and read the document and sort of, you know, decide whether you're happy to take those on or not.","start":114.729996,"end":124.314995,"sentiment":"neutral","sentiment_score":0.2983860616074052},{"text":"Okay?","start":124.314995,"end":124.814995,"sentiment":"neutral","sentiment_score":0.24599698185920715},{"text":"All good.","start":126.715,"end":127.615,"sentiment":"positive","sentiment_score":0.7465527653694153},{"text":"Now when we sort of spoke last time, you wanted to sort of look at investing about $25,000 initially and then making regular contributions in and looking at maybe an investment portfolio, sorry, to see how that might look and what that can do for some of your funds there to keep it invested and keep it working harder for the future.","start":127.835,"end":145.14,"sentiment":"positive","sentiment_score":0.3879540769323226},{"text":"So we have scoped in just a personal investment into this advice piece there for you.","start":146.255,"end":150.255,"sentiment":"positive","sentiment_score":0.46148653142154217}],"sentiment":"positive","sentiment_score":0.3710212938247188,"num_words":124,"start":114.729996,"end":150.255},{"sentences":[{"text":"We've gone out there and had a really good look and looked at all the different investment options, the platforms available, and how do we invest the funds essentially to look at, you know, what it can do to help you moving forward.","start":150.255,"end":160.355,"sentiment":"positive","sentiment_score":0.613418928412504},{"text":"Sorry.","start":161.16,"end":161.56,"sentiment":"neutral","sentiment_score":0.052566416561603546},{"text":"My voice is running out a little bit today.","start":161.56,"end":163.48,"sentiment":"neutral","sentiment_score":-0.20513702597883013},{"text":"So if I pause, I do apologize.","start":163.48,"end":165.26001,"sentiment":"neutral","sentiment_score":-0.04881424190742629},{"text":"We were looking at investing and starting with $25,000 and then making a regular contribution of a $100 on a weekly basis into the investment and looking at how this can go over the next sort of five to ten years and what it can do to sort of help you moving forward.","start":166.36,"end":179.145,"sentiment":"positive","sentiment_score":0.39933076557123437}],"sentiment":"positive","sentiment_score":0.40182458395055964,"num_words":113,"start":150.255,"end":179.145},{"sentences":[{"text":"Okay?","start":179.205,"end":179.705,"sentiment":"neutral","sentiment_score":0.15540608763694763},{"text":"With regard to the recommendation, I am recommending that we open the investment with Hub twenty four so it is then linked to your super.","start":181.045,"end":187.92,"sentiment":"neutral","sentiment_score":0.32949649572372436},{"text":"You can then have everything linked in the background and sort of help to hopefully save administration fees down the track there as well.","start":187.92,"end":194.01999,"sentiment":"positive","sentiment_score":0.48360851655403775},{"text":"With regards to the investment portfolio, we did look you are a little bit less so I am recommending that the funds be invested in the balanced growth portfolio, which is designed to see about 70% of the funds invested in those growth assets and still keeping you at 30% defensive, which is good.","start":195.59999,"end":213.84,"sentiment":"neutral","sentiment_score":0.28622298453141143},{"text":"With the investment portfolio that I am recommending there for you, it has been an average five year rolling average there of 16.55%.","start":214.64,"end":222.18,"sentiment":"positive","sentiment_score":0.4494294894292303}],"sentiment":"positive","sentiment_score":0.3605696244062636,"num_words":127,"start":179.205,"end":222.18},{"sentences":[{"text":"If the market was to sorta continue providing that way by making this regular contribution over the next sort of five to ten years, you could see that money grow upwards of about $70,000 over the next ten years upwards to about $160,000.","start":222.64,"end":235.955,"sentiment":"neutral","sentiment_score":0.32787365760914117},{"text":"That is depending upon market reactions at the same time.","start":235.955,"end":238.935,"sentiment":"neutral","sentiment_score":0.06182359550148249},{"text":"Okay?","start":238.995,"end":239.495,"sentiment":"neutral","sentiment_score":0.03734872862696648},{"text":"It's averaged that over the last five years.","start":243.68,"end":246.23999,"sentiment":"neutral","sentiment_score":0.028760862071067095},{"text":"Yeah.","start":246.23999,"end":246.73999,"sentiment":"neutral","sentiment_score":0.10464268922805786}],"sentiment":"neutral","sentiment_score":0.23950605629573737,"num_words":63,"start":222.64,"end":246.73999},{"sentences":[{"text":"Yeah.","start":249.2,"end":249.7,"sentiment":"positive","sentiment_score":0.3710269927978515},{"text":"It does.","start":250.4,"end":251.22,"sentiment":"positive","sentiment_score":0.4825529307126999},{"text":"Insane that that's what it's done over the last five years.","start":251.28,"end":253.78499,"sentiment":"positive","sentiment_score":0.48516896096142853},{"text":"It is really important that we can sort of project this based on the past performance.","start":253.78499,"end":257.965,"sentiment":"neutral","sentiment_score":0.23365973494946957},{"text":"However, I don't expect this portfolio to get 16% every year moving forward.","start":258.185,"end":262.82498,"sentiment":"neutral","sentiment_score":-0.20374621966710457}],"sentiment":"neutral","sentiment_score":0.18053130996088648,"num_words":43,"start":249.2,"end":262.82498},{"sentences":[{"text":"We are seeing quite a bit of volatility with the markets and what is happening there.","start":262.82498,"end":266.505,"sentiment":"neutral","sentiment_score":-0.2839059131219983},{"text":"So the same with Yesuper.","start":266.505,"end":267.965,"sentiment":"neutral","sentiment_score":0.026630692183971405},{"text":"We're looking at what it has done on average over the past couple of years to kind of show us the expected in the future.","start":268.185,"end":274.18,"sentiment":"neutral","sentiment_score":0.10597938492894173},{"text":"But we know that markets react differently.","start":274.63998,"end":276.63998,"sentiment":"neutral","sentiment_score":-0.024917473750455037},{"text":"Since some years, you might get a 25% return.","start":276.63998,"end":279.04,"sentiment":"neutral","sentiment_score":-0.010877621877524588}],"sentiment":"neutral","sentiment_score":-0.032777055467088374,"num_words":62,"start":262.82498,"end":279.04},{"sentences":[{"text":"Other years, it might be a 20% return.","start":279.04,"end":280.8,"sentiment":"neutral","sentiment_score":0.01866697147488594},{"text":"It could be 16%.","start":280.8,"end":281.91998,"sentiment":"neutral","sentiment_score":0.0476380679756403},{"text":"It could also be a 10 or a 5% return some years as well.","start":281.91998,"end":285.025,"sentiment":"neutral","sentiment_score":0.08035442206476416},{"text":"So it does just depend upon what the market is doing.","start":285.025,"end":288.165,"sentiment":"neutral","sentiment_score":0.02782611616633155},{"text":"And that's why we are recommending to continue with the dollar cost averaging.","start":288.465,"end":291.685,"sentiment":"neutral","sentiment_score":0.09547137913222496}],"sentiment":"neutral","sentiment_score":0.06024130318313837,"num_words":50,"start":279.04,"end":291.685},{"sentences":[{"text":"Putting a $100 in on a weekly basis means that you can take advantage of those market ups and downs.","start":291.745,"end":296.625,"sentiment":"neutral","sentiment_score":0.26096314154565337},{"text":"So when the market is not performing as well, you're still putting that $100 in.","start":296.625,"end":300.85,"sentiment":"neutral","sentiment_score":0.22142505049705505},{"text":"You're buying more units of the investment, and it helps to sort of even out the risk, even out your returns, and help to even out the buy price in the investments as well.","start":300.85,"end":310.47,"sentiment":"neutral","sentiment_score":0.31376614991356344},{"text":"Okay?","start":310.53,"end":311.03,"sentiment":"neutral","sentiment_score":0.08815540373325348},{"text":"Now the same as with this you're right.","start":313.085,"end":314.765,"sentiment":"neutral","sentiment_score":0.02015645580831915}],"sentiment":"neutral","sentiment_score":0.2494627530208956,"num_words":78,"start":291.745,"end":314.765},{"sentences":[{"text":"Sorry?","start":314.765,"end":315.265,"sentiment":"neutral","sentiment_score":-0.017723340541124344},{"text":"Yeah.","start":317.325,"end":317.825,"sentiment":"neutral","sentiment_score":0.004900778643786907},{"text":"Yeah.","start":318.365,"end":318.865,"sentiment":"neutral","sentiment_score":0.029045509174466133},{"text":"This yeah.","start":322.605,"end":323.805,"sentiment":"neutral","sentiment_score":0.04017015919089317},{"text":"So this one here, if you have a look, it should be this.","start":323.805,"end":326.88,"sentiment":"neutral","sentiment_score":0.06468968924421531}],"sentiment":"neutral","sentiment_score":0.05208495699076189,"num_words":18,"start":314.765,"end":326.88},{"sentences":[{"text":"You open the email.","start":326.96,"end":328.0,"sentiment":"neutral","sentiment_score":0.02416464500129223},{"text":"I think it says a little it has a little sign button.","start":328.0,"end":330.5,"sentiment":"neutral","sentiment_score":0.013792919353970015},{"text":"If you click on that, it takes you through so you can see the statement of advice.","start":330.72,"end":334.42,"sentiment":"neutral","sentiment_score":0.06374172515728894},{"text":"Yeah.","start":336.4,"end":336.64,"sentiment":"neutral","sentiment_score":0.20475995540618896},{"text":"That's okay.","start":336.64,"end":337.36002,"sentiment":"positive","sentiment_score":0.34857653081417084}],"sentiment":"neutral","sentiment_score":0.06243599880447922,"num_words":36,"start":326.96,"end":337.36002},{"sentences":[{"text":"It'll it won't ask you to sign anything until you've read it, so you don't have to sign anything.","start":337.36002,"end":341.28,"sentiment":"neutral","sentiment_score":0.2259100565784856},{"text":"You get to take it back and read it as well.","start":341.28,"end":345.575,"sentiment":"neutral","sentiment_score":0.1579372574659911},{"text":"Yeah.","start":345.575,"end":346.075,"sentiment":"neutral","sentiment_score":0.11159801483154295},{"text":"Beautiful.","start":347.49503,"end":347.99503,"sentiment":"positive","sentiment_score":0.6290144324302673},{"text":"Oh, good.","start":348.535,"end":349.27502,"sentiment":"positive","sentiment_score":0.47804586589336395}],"sentiment":"neutral","sentiment_score":0.22724426724016666,"num_words":34,"start":337.36002,"end":349.27502},{"sentences":[{"text":"If you're happy to I'm actually down on page number, sorry, 17 for you, which has got essentially the rundown of the recommendations and the cost involved.","start":349.73502,"end":359.59998,"sentiment":"positive","sentiment_score":0.3382962434380143},{"text":"Yep.","start":362.62,"end":363.12,"sentiment":"neutral","sentiment_score":0.23849430680274963},{"text":"Perfect.","start":363.18,"end":363.68,"sentiment":"positive","sentiment_score":0.5262545347213745},{"text":"Yeah.","start":383.37003,"end":383.87003,"sentiment":"neutral","sentiment_score":0.03718402236700058},{"text":"So you're looking at page number six 17.","start":384.09003,"end":386.49002,"sentiment":"neutral","sentiment_score":0.030965630197897553}],"sentiment":"neutral","sentiment_score":0.2679909599552813,"num_words":38,"start":349.73502,"end":386.49002},{"sentences":[{"text":"Is that right?","start":386.49002,"end":387.31,"sentiment":"neutral","sentiment_score":0.0379509882380565},{"text":"It's the fee comparison table as the headline heading?","start":388.73,"end":391.87003,"sentiment":"neutral","sentiment_score":0.01655277382168505},{"text":"Yep.","start":393.945,"end":394.445,"sentiment":"neutral","sentiment_score":-0.01935761049389839},{"text":"No.","start":396.665,"end":397.165,"sentiment":"neutral","sentiment_score":-0.05234682559967041},{"text":"All good.","start":397.385,"end":398.04498,"sentiment":"neutral","sentiment_score":0.04121340066194534}],"sentiment":"neutral","sentiment_score":0.017096893396228552,"num_words":16,"start":386.49002,"end":398.04498},{"sentences":[{"text":"So you'll see that the current is showing the cash holding at the moment of the 20 $5,000.","start":398.425,"end":403.705,"sentiment":"neutral","sentiment_score":-0.020955764688551426},{"text":"Obviously, they're sitting in cash.","start":403.705,"end":405.32498,"sentiment":"neutral","sentiment_score":-0.05826526582241058},{"text":"The recommended is they're investing into the high 20 4 investment option.","start":405.83002,"end":409.69,"sentiment":"neutral","sentiment_score":0.0189025371025006},{"text":"You'll see the starting balance does go down slightly by a $161.","start":409.83002,"end":414.07,"sentiment":"neutral","sentiment_score":-0.009371686649198333},{"text":"That's the expected by cost sorry.","start":414.07,"end":416.07,"sentiment":"neutral","sentiment_score":-0.033127619264026485}],"sentiment":"neutral","sentiment_score":-0.014206143465103968,"num_words":53,"start":398.425,"end":416.07},{"sentences":[{"text":"The by cost of purchasing into the investments.","start":416.07,"end":418.25,"sentiment":"neutral","sentiment_score":-0.01888004457578063},{"text":"The same as with your super, we do have administration fees, investment fees, any other fees applicable there, and the ongoing service fee, which for the investment that as it kind of went through initially is slightly different.","start":419.48502,"end":430.765,"sentiment":"neutral","sentiment_score":0.012398129378102328},{"text":"So we just charge the one point, sorry, 1.1% on your super.","start":430.765,"end":436.36,"sentiment":"neutral","sentiment_score":0.009276883521427711},{"text":"Okay.","start":437.46,"end":437.86,"sentiment":"neutral","sentiment_score":-0.00012643355876207352},{"text":"Oh, so on your investment account I do apologize.","start":437.86,"end":439.94,"sentiment":"neutral","sentiment_score":-0.09140747785568237}],"sentiment":"neutral","sentiment_score":-0.005755626062369522,"num_words":68,"start":416.07,"end":439.94},{"sentences":[{"text":"It's a super accident.","start":439.94,"end":441.0,"sentiment":"neutral","sentiment_score":-0.2624717652797699},{"text":"Essentially, that's on the super account.","start":442.1,"end":443.86,"sentiment":"neutral","sentiment_score":-0.1285656914114952},{"text":"So we do expect based on the current balance there, the ongoing service fee for the first twelve months is $313.","start":443.86,"end":450.625,"sentiment":"neutral","sentiment_score":-0.1282795018383435},{"text":"That's for us looking after the investment account alongside your super there, making sure that it is working harder for you.","start":450.765,"end":456.365,"sentiment":"neutral","sentiment_score":-0.17323221833932967},{"text":"We'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there.","start":456.365,"end":464.58002,"sentiment":"neutral","sentiment_score":0.15295182125908988}],"sentiment":"neutral","sentiment_score":-0.03218061596840278,"num_words":87,"start":439.94,"end":464.58002},{"sentences":[{"text":"Okay?","start":464.58002,"end":465.08002,"sentiment":"neutral","sentiment_score":0.10067501664161682},{"text":"Underneath that, you'll also see the contributions going in.","start":467.06,"end":469.62,"sentiment":"neutral","sentiment_score":0.08986213306585948},{"text":"So a $100 on a weekly basis just being a dollar cost average in.","start":469.62,"end":473.38,"sentiment":"neutral","sentiment_score":0.09668593268309321},{"text":"With Hub twenty four, if you wanted to be set up as a regular direct debit, they do direct debits once a month.","start":473.38,"end":479.325,"sentiment":"neutral","sentiment_score":0.09754907436992812},{"text":"So it'd be about $400 on a monthly basis coming out as a lump sum.","start":479.405,"end":483.265,"sentiment":"neutral","sentiment_score":0.10217663298050562}],"sentiment":"neutral","sentiment_score":0.09740831414538045,"num_words":62,"start":464.58002,"end":483.265},{"sentences":[{"text":"Alternatively, you can set it up as, like, a BPay transaction from your from your net banking account, and you can do it on a weekly basis if you want it to be true dollar cost averaging.","start":483.325,"end":493.02502,"sentiment":"neutral","sentiment_score":0.1133436731792785},{"text":"Okay?","start":493.24503,"end":493.74503,"sentiment":"neutral","sentiment_score":0.102989561855793},{"text":"Yep.","start":495.41,"end":495.91,"sentiment":"neutral","sentiment_score":0.20271193981170657},{"text":"Perfect.","start":495.97,"end":496.47,"sentiment":"positive","sentiment_score":0.4108351469039917},{"text":"Underneath that, you'll see the essentially, the balance growth investment option there.","start":497.09,"end":501.25,"sentiment":"neutral","sentiment_score":0.13778125370542207}],"sentiment":"neutral","sentiment_score":0.12622360770518964,"num_words":52,"start":483.325,"end":501.25},{"sentences":[{"text":"So it does show you the five year rolling average.","start":501.25,"end":503.25,"sentiment":"neutral","sentiment_score":0.21100293546915055},{"text":"As I mentioned, this portfolio has shown over the past five years to average about 16.55%.","start":503.25,"end":508.95,"sentiment":"neutral","sentiment_score":0.24252645298838615},{"text":"And underneath that, you'll see the projection table there as well.","start":509.625,"end":512.505,"sentiment":"neutral","sentiment_score":0.12487830966711044},{"text":"So projecting at four if the market performed the way it has over the past five years.","start":512.505,"end":516.845,"sentiment":"neutral","sentiment_score":0.1497812122106552},{"text":"In the next five years, by following the investment, you could end up with about 73,000.","start":516.90497,"end":522.205,"sentiment":"neutral","sentiment_score":0.13314238376915455}],"sentiment":"neutral","sentiment_score":0.17200961081045016,"num_words":70,"start":501.25,"end":522.205},{"sentences":[{"text":"If you continued on over the next ten years, it could end up with about a 160.","start":522.58496,"end":526.45996,"sentiment":"neutral","sentiment_score":0.12099627010962542},{"text":"The benefits of having the investment account is unlike super, you can be putting as much money as you want into this.","start":527.07996,"end":532.27997,"sentiment":"positive","sentiment_score":0.49709057672457263},{"text":"So if you have extra deposits you wanna put in each year or, you know, you've got a bit of extra money aside you wanted to have invested, you can make those deposits at any time.","start":532.27997,"end":541.02496,"sentiment":"positive","sentiment_score":0.41515163083871204},{"text":"There's no caps.","start":541.02496,"end":542.225,"sentiment":"neutral","sentiment_score":0.2968573768933614},{"text":"There's no restrictions on putting money into the investments.","start":542.225,"end":544.725,"sentiment":"neutral","sentiment_score":0.3227856159210205}],"sentiment":"positive","sentiment_score":0.3647589731490475,"num_words":87,"start":522.58496,"end":544.725},{"sentences":[{"text":"And these are very liquid investments.","start":545.185,"end":546.865,"sentiment":"positive","sentiment_score":0.5095485895872116},{"text":"So if you need the money back at any point, we can always draw the funds out for you as well.","start":546.865,"end":551.105,"sentiment":"positive","sentiment_score":0.33917310195309774},{"text":"Okay?","start":551.105,"end":551.605,"sentiment":"neutral","sentiment_score":0.21779364347457889},{"text":"Perfect.","start":553.37,"end":553.87,"sentiment":"positive","sentiment_score":0.5582376718521118},{"text":"The next page does outline and show you essentially how the performance of the portfolio has performed over the last twelve months, three, and five years there for you.","start":554.56995,"end":562.67,"sentiment":"positive","sentiment_score":0.3783391200262925}],"sentiment":"positive","sentiment_score":0.3780653874935775,"num_words":58,"start":545.185,"end":562.67},{"sentences":[{"text":"And if you were to scroll backwards for me, just to to page number 15, this is essentially the portfolio that will see the funds invested in and show you what it looks like and essentially the portfolio that has received the past performance.","start":563.85,"end":577.545,"sentiment":"neutral","sentiment_score":0.12005845838311044},{"text":"You can see that.","start":577.545,"end":578.505,"sentiment":"neutral","sentiment_score":0.12400259077548981},{"text":"Okay?","start":578.505,"end":579.005,"sentiment":"neutral","sentiment_score":0.07628597319126129},{"text":"So at the moment, you'll see you've got your liquid assets there at the very top.","start":580.75,"end":584.51,"sentiment":"neutral","sentiment_score":0.1607966967858374},{"text":"It is 25,000 to begin with.","start":584.51,"end":586.61005,"sentiment":"neutral","sentiment_score":0.1527933863302072}],"sentiment":"neutral","sentiment_score":0.13161092917893974,"num_words":71,"start":563.85,"end":586.61005},{"sentences":[{"text":"With the portfolio within Hub twenty four, they will start with the cybersecurity side of things.","start":586.75,"end":591.17004,"sentiment":"neutral","sentiment_score":0.14505659136921167},{"text":"We essentially so sorry.","start":592.35004,"end":594.405,"sentiment":"neutral","sentiment_score":0.060571491718292236},{"text":"We'll see about 4% invested in the beta share cybersecurity.","start":595.60504,"end":598.74506,"sentiment":"neutral","sentiment_score":0.10380661226809025},{"text":"Cybersecurity is still a great area of of growth, and it's important to have a little bit of that in your portfolio.","start":599.36505,"end":603.945,"sentiment":"positive","sentiment_score":0.3703893782062964},{"text":"You'll see some Europeans and Japanese exposure there, so giving you access to other markets.","start":604.16504,"end":608.905,"sentiment":"neutral","sentiment_score":0.28207156161467234}],"sentiment":"neutral","sentiment_score":0.23852085516746366,"num_words":67,"start":586.75,"end":608.905},{"sentences":[{"text":"The Vanguard or WorldX US, so this is giving you exposure to all the other countries by The US.","start":609.5,"end":615.36,"sentiment":"neutral","sentiment_score":0.2462090418527001},{"text":"It's giving you exposure to some well established countries, but also making sure you're getting access to some smaller countries as well.","start":615.66,"end":621.855,"sentiment":"positive","sentiment_score":0.3706011745062741},{"text":"Diversification is one of the biggest ways to mitigate long term market risk.","start":622.33496,"end":626.975,"sentiment":"neutral","sentiment_score":0.26486248064499635},{"text":"So making sure you're invested in not just our country or The US or one or two countries.","start":626.975,"end":631.375,"sentiment":"neutral","sentiment_score":0.28167600971129203},{"text":"It's about making sure you're investing in all of them to take advantage of not only established markets and areas of current growth, but also market changes as well.","start":631.375,"end":640.89996,"sentiment":"positive","sentiment_score":0.41846729044256537}],"sentiment":"neutral","sentiment_score":0.3314864304986331,"num_words":101,"start":609.5,"end":640.89996},{"sentences":[{"text":"So some countries will have up up and coming areas or may provide future growth.","start":640.89996,"end":646.42,"sentiment":"neutral","sentiment_score":0.2847030808528264},{"text":"So having that sort of investment is really important.","start":646.42,"end":649.0,"sentiment":"positive","sentiment_score":0.3635954608519872},{"text":"So with the Vanguard All World US sorry, ex US investment, you'll see about 7% invested in there.","start":649.06,"end":655.94495,"sentiment":"neutral","sentiment_score":0.18520950774351755},{"text":"We also have the S and P 500 at at the moment and 25% to be invested in there.","start":656.485,"end":661.365,"sentiment":"neutral","sentiment_score":0.17195458592552887},{"text":"I know a lot of people are quite concerned with having investments in The US, but it is still a great place to be invested.","start":661.365,"end":667.35004,"sentiment":"neutral","sentiment_score":0.17930880904197694}],"sentiment":"neutral","sentiment_score":0.21658760300555893,"num_words":86,"start":640.89996,"end":667.35004},{"sentences":[{"text":"Equities are seeing a little bit of ups and downs at the moment.","start":667.97003,"end":670.61,"sentiment":"neutral","sentiment_score":-0.09573560781203784},{"text":"However, with the S and P 500, you're essentially tracking the S and P 500 index, which means you're always gonna be invested in the top 500 companies.","start":670.61,"end":679.19,"sentiment":"neutral","sentiment_score":0.25951923127286136},{"text":"One of the important things with the S and P 500 index is that the investment committee that set up the index, they essentially meet every quarter, and they look at what companies are eligible to remain in the S and P 500.","start":679.655,"end":691.995,"sentiment":"neutral","sentiment_score":0.04390317244931709},{"text":"If they're no longer eligible, they are removed from that, and then other companies are put into place.","start":692.01,"end":696.99,"sentiment":"neutral","sentiment_score":-0.005353979921589295},{"text":"And the S and P 500 index can encompass anywhere from 500 to 520 companies depending on who meets the criteria.","start":697.21,"end":704.35004,"sentiment":"neutral","sentiment_score":0.06037763381997744}],"sentiment":"neutral","sentiment_score":0.07383228179703398,"num_words":123,"start":667.97003,"end":704.35004},{"sentences":[{"text":"So it's always a good sort of note that with that sort of investment, if something is underperforming, it is removed out of the index and something else is placed is put in the in its place.","start":704.65,"end":714.365,"sentiment":"neutral","sentiment_score":0.11613664896907033},{"text":"So you're always sort of tracking the top 500 of companies.","start":714.365,"end":717.26495,"sentiment":"neutral","sentiment_score":0.09971345486966046},{"text":"Okay?","start":717.40497,"end":717.90497,"sentiment":"neutral","sentiment_score":0.08957701176404953},{"text":"With the data shares Aussie 200 there, so looking at the top 200 companies in Australia and on the ASX, which is important, it's always good to have some homegrown investments.","start":719.76996,"end":728.51,"sentiment":"neutral","sentiment_score":0.2366387409067923},{"text":"And then we've also got some physical gold there as well.","start":729.20996,"end":731.705,"sentiment":"neutral","sentiment_score":0.20776359940117056}],"sentiment":"neutral","sentiment_score":0.16598551196383907,"num_words":91,"start":704.65,"end":731.705},{"sentences":[{"text":"So this is a growth investment, but gold also works very defensively.","start":731.705,"end":735.40497,"sentiment":"neutral","sentiment_score":0.21473102271556854},{"text":"So at times where your other investments or equities might not be performing as well, gold tends to do very well.","start":735.625,"end":741.385,"sentiment":"neutral","sentiment_score":0.14737352764322645},{"text":"Gold has seen lovely growth in the past this year, and it's also seeing some great growth just in the last week there as well.","start":741.385,"end":747.75,"sentiment":"positive","sentiment_score":0.5543257415294647},{"text":"So it's always good to have a bit of physical gold there.","start":747.75,"end":750.79004,"sentiment":"positive","sentiment_score":0.4168231238921483},{"text":"And the Global x Physical Gold investment is physical gold.","start":750.79004,"end":754.07,"sentiment":"neutral","sentiment_score":0.1941033348441124}],"sentiment":"neutral","sentiment_score":0.3309083840809762,"num_words":80,"start":731.705,"end":754.07},{"sentences":[{"text":"It's called Bullion, and it's held in the JPMorgan Chase Bank in The UK.","start":754.07,"end":760.01,"sentiment":"neutral","sentiment_score":0.12589995616248675},{"text":"Okay?","start":760.425,"end":760.925,"sentiment":"neutral","sentiment_score":0.12221778929233552},{"text":"Underneath that, we do have your defensive investments as well.","start":762.425,"end":765.145,"sentiment":"neutral","sentiment_score":0.14072080180048943},{"text":"So we've got the core composite bonds that are giving you exposure to income producing assets, like government and corporate bonds, and also the beta shares bank hybrids, which you do also hold in your super fund at the moment as well.","start":765.145,"end":777.15,"sentiment":"neutral","sentiment_score":0.1929540689147654},{"text":"Essentially, bank hybrids are, again, more of a defensive investment.","start":777.61,"end":780.75,"sentiment":"neutral","sentiment_score":0.16263535395264625}],"sentiment":"neutral","sentiment_score":0.16912272243530718,"num_words":77,"start":754.07,"end":780.75},{"sentences":[{"text":"They work in sort of two ways.","start":781.13,"end":782.73,"sentiment":"neutral","sentiment_score":0.20193578515733993},{"text":"So they do provide income a bit like bonds and 10 deposits do, but it also can be traded, and they tend to be sorry.","start":782.73,"end":790.08496,"sentiment":"neutral","sentiment_score":0.12044313535094262},{"text":"Also, provide growth there as well.","start":790.225,"end":791.985,"sentiment":"neutral","sentiment_score":0.11610180884599686},{"text":"I do apologize.","start":791.985,"end":792.70496,"sentiment":"neutral","sentiment_score":-0.1002312737206618},{"text":"I'm losing my voice a little bit.","start":792.70496,"end":793.82495,"sentiment":"negative","sentiment_score":-0.3755039232117789}],"sentiment":"neutral","sentiment_score":0.0456670510272185,"num_words":48,"start":781.13,"end":793.82495},{"sentences":[{"text":"So sorry.","start":793.82495,"end":794.56494,"sentiment":"neutral","sentiment_score":-0.13951097428798676},{"text":"So bank hybrids are very defensive in nature.","start":795.82495,"end":798.625,"sentiment":"neutral","sentiment_score":0.14577301312237978},{"text":"They are relatively low cost as well, and they tend to be very good for income producing.","start":798.625,"end":803.21,"sentiment":"positive","sentiment_score":0.4787098642657785},{"text":"So one of the things we wanna see out of the portfolio is not only growth, but we wanna make sure your portfolio is generating incomes by way of dividends and coupon payments and interest payments out of the investments.","start":803.21,"end":812.91,"sentiment":"positive","sentiment_score":0.3931406572461128},{"text":"So that gets reinvested back into your fund and helps to keep growing along with your regular dollar cost averaging into the investment.","start":813.13,"end":820.885,"sentiment":"positive","sentiment_score":0.5667676498060641}],"sentiment":"positive","sentiment_score":0.41985013427005874,"num_words":90,"start":793.82495,"end":820.885},{"sentences":[{"text":"Does that all make sense so far?","start":821.025,"end":822.565,"sentiment":"neutral","sentiment_score":0.2785508313349315},{"text":"Yeah.","start":825.185,"end":825.685,"sentiment":"neutral","sentiment_score":0.3094604015350342},{"text":"Beautiful.","start":825.90497,"end":826.40497,"sentiment":"positive","sentiment_score":0.5467038154602051},{"text":"Do you have that's okay.","start":826.625,"end":828.56,"sentiment":"neutral","sentiment_score":0.18602096140384675},{"text":"Do you have questions?","start":828.56,"end":829.60004,"sentiment":"neutral","sentiment_score":0.09714628383517265}],"sentiment":"neutral","sentiment_score":0.22915055437220466,"num_words":18,"start":821.025,"end":829.60004},{"sentences":[{"text":"You're welcome to ask me anything you like.","start":829.60004,"end":831.84,"sentiment":"neutral","sentiment_score":0.276214811950922},{"text":"If you, you know, need me to kinda backtrack or go over anything, feel free to let me know there, Jack.","start":831.84,"end":836.4,"sentiment":"neutral","sentiment_score":0.11838474692333312},{"text":"That's what you have me here for.","start":836.4,"end":837.86,"sentiment":"neutral","sentiment_score":0.13727255484887532},{"text":"Yep.","start":843.375,"end":843.875,"sentiment":"neutral","sentiment_score":0.19222643971443176},{"text":"Perfect.","start":843.935,"end":844.435,"sentiment":"positive","sentiment_score":0.3549974262714386}],"sentiment":"neutral","sentiment_score":0.16326131397172025,"num_words":38,"start":829.60004,"end":844.435},{"sentences":[{"text":"So the ongoing, sorry, the ongoing fee of 1.1%, that is based on the balance in the portfolio.","start":857.07,"end":863.81,"sentiment":"neutral","sentiment_score":0.02239856796546115},{"text":"But, essentially, the idea of percentage based fee is the same as your super ongoing service fee is that it fluctuates with the market.","start":864.35,"end":871.09503,"sentiment":"neutral","sentiment_score":0.07755146827548742},{"text":"So, essentially, having having a look at the way the market is performing, if the market is doing really well, if your investment portfolio is getting higher returns, then it means that we're gonna obviously make more money as well.","start":871.09503,"end":883.5,"sentiment":"neutral","sentiment_score":0.17336606848984956},{"text":"However, if the market does take a bit of a dip, it means that the ongoing sales, say, takes a bit of a dip there with it as well.","start":883.5,"end":889.98004,"sentiment":"neutral","sentiment_score":-0.17207724922176065},{"text":"So whilst there isn't a balance of the portfolio, we don't really have a way of just structuring it, so it comes out of only the growth.","start":889.98004,"end":896.4,"sentiment":"neutral","sentiment_score":-0.08668908573411128}],"sentiment":"neutral","sentiment_score":0.013537729415448679,"num_words":138,"start":857.07,"end":896.4},{"sentences":[{"text":"It has to kinda come out of the whole portfolio structuring.","start":896.89496,"end":899.615,"sentiment":"neutral","sentiment_score":-0.04726105674423955},{"text":"This way means that it does fluctuate with the market, so it is linked to the performance of your super in a way.","start":899.615,"end":905.375,"sentiment":"neutral","sentiment_score":0.13537106889745462},{"text":"Yeah.","start":905.375,"end":905.875,"sentiment":"neutral","sentiment_score":0.1059342473745346},{"text":"Yeah.","start":908.67,"end":909.17,"sentiment":"neutral","sentiment_score":0.13832703232765198},{"text":"No.","start":910.27,"end":910.43,"sentiment":"neutral","sentiment_score":0.16027550399303436}],"sentiment":"neutral","sentiment_score":0.08103242551756872,"num_words":37,"start":896.89496,"end":910.43},{"sentences":[{"text":"All good.","start":910.43,"end":911.17,"sentiment":"positive","sentiment_score":0.476884126663208},{"text":"All good.","start":911.47,"end":912.05,"sentiment":"positive","sentiment_score":0.5100139677524567},{"text":"Having a look.","start":914.43,"end":915.64996,"sentiment":"positive","sentiment_score":0.3461953302224477},{"text":"Everything else is pretty well straightforward there.","start":916.27,"end":919.25,"sentiment":"positive","sentiment_score":0.3520284390875271},{"text":"That's kind of most of the recommendations that I kinda had to go through there.","start":920.69495,"end":924.13495,"sentiment":"neutral","sentiment_score":0.21311219334602355}],"sentiment":"neutral","sentiment_score":0.2990780742517833,"num_words":29,"start":910.43,"end":924.13495},{"sentences":[{"text":"As I said, there's no implementation fees for coming on board or doing this.","start":924.13495,"end":928.535,"sentiment":"neutral","sentiment_score":0.24318090134433337},{"text":"It the recommendations are completely up to you at the end of the day.","start":928.535,"end":932.235,"sentiment":"positive","sentiment_score":0.4779279849358967},{"text":"Did you have any questions in relation to anything?","start":932.69495,"end":935.01495,"sentiment":"neutral","sentiment_score":0.08402205631136894},{"text":"Did you just wanna sorta take it back and have a bit of a read through the document?","start":935.01495,"end":938.08997,"sentiment":"neutral","sentiment_score":0.07330387458205223},{"text":"Or yeah.","start":938.31,"end":942.64996,"sentiment":"neutral","sentiment_score":0.06413017585873604}],"sentiment":"neutral","sentiment_score":0.21577987734947288,"num_words":57,"start":924.13495,"end":942.64996},{"sentences":[{"text":"Yep.","start":945.67,"end":946.17,"sentiment":"neutral","sentiment_score":0.13483725488185885},{"text":"Absolutely.","start":950.245,"end":950.745,"sentiment":"neutral","sentiment_score":0.2903539836406708},{"text":"Yeah.","start":950.885,"end":951.205,"sentiment":"neutral","sentiment_score":0.2251792550086975},{"text":"So you'll be able to see your super fund and the investment account attached there.","start":951.205,"end":954.485,"sentiment":"neutral","sentiment_score":0.2870482593774796},{"text":"Be able to look at them both in the same place.","start":954.485,"end":956.58496,"sentiment":"neutral","sentiment_score":0.30741182511503046}],"sentiment":"neutral","sentiment_score":0.28750429173995706,"num_words":29,"start":945.67,"end":956.58496},{"sentences":[{"text":"There is obviously the advantages, disadvantages, and risks involved in this document, so you're welcome to go forward and have a look at those.","start":957.205,"end":963.57,"sentiment":"neutral","sentiment_score":0.20930939260870218},{"text":"We can link everything in the back end as well.","start":963.81,"end":965.89,"sentiment":"neutral","sentiment_score":0.22178177237510682},{"text":"So if it's able yeah.","start":965.89,"end":967.25,"sentiment":"neutral","sentiment_score":0.2690355062484741},{"text":"If we're able to link it up and help you save on administration fees in both your super and the investment, we'll absolutely do so.","start":967.25,"end":973.91003,"sentiment":"positive","sentiment_score":0.45790976643562314},{"text":"Having them both in the same platform means you'd be able to see them both on the same app, which is a benefit there for you, but also just making sure that you're aware that the money is invested in the market.","start":974.21,"end":984.33496,"sentiment":"positive","sentiment_score":0.3539462098408313}],"sentiment":"neutral","sentiment_score":0.32924439294158286,"num_words":106,"start":957.205,"end":984.33496},{"sentences":[{"text":"The markets do react differently, and we're seeing a bit of volatility at the moment.","start":984.33496,"end":989.21497,"sentiment":"neutral","sentiment_score":0.05169815147916476},{"text":"So markets can go up and down there.","start":989.21497,"end":991.135,"sentiment":"neutral","sentiment_score":0.07525154761970043},{"text":"But, yeah, you'll be able to see everything in the one place to make it nice and easy for you.","start":991.135,"end":995.94,"sentiment":"positive","sentiment_score":0.493327659368515},{"text":"If you do happen to need funds, all these investments are very liquid, so the money can be drawn out fairly quickly for you as well.","start":995.94,"end":1002.33997,"sentiment":"neutral","sentiment_score":0.2941651109319467},{"text":"Okay?","start":1002.33997,"end":1002.83997,"sentiment":"neutral","sentiment_score":0.11018265038728714}],"sentiment":"neutral","sentiment_score":0.2714644767876182,"num_words":70,"start":984.33496,"end":1002.83997},{"sentences":[{"text":"Yeah.","start":1004.915,"end":1005.415,"sentiment":"neutral","sentiment_score":0.11542059481143951},{"text":"Oh, good.","start":1006.195,"end":1007.015,"sentiment":"neutral","sentiment_score":0.18912769481539726},{"text":"Correct.","start":1012.115,"end":1012.615,"sentiment":"neutral","sentiment_score":0.04184485971927643},{"text":"Yes.","start":1012.675,"end":1013.155,"sentiment":"neutral","sentiment_score":0.07247888296842575},{"text":"Markets have been very up and down.","start":1013.155,"end":1015.175,"sentiment":"neutral","sentiment_score":-0.2501035417829241}],"sentiment":"neutral","sentiment_score":-0.09522708877921104,"num_words":12,"start":1004.915,"end":1015.175},{"sentences":[{"text":"So purchasing in whilst I definitely do not try to time the market in any way, shape, or form.","start":1015.395,"end":1020.05,"sentiment":"neutral","sentiment_score":-0.07274013345963076},{"text":"It's about just making sure that we understand that buying in and continuously dollar cost averaging is generally the best way to go.","start":1020.05,"end":1027.03,"sentiment":"neutral","sentiment_score":0.17316918399022974},{"text":"I can't tell when the top of the bottom of the market is, so I just don't don't try.","start":1027.25,"end":1031.0449,"sentiment":"neutral","sentiment_score":-0.22563820920492472},{"text":"Most people who try to pick the bottom top of the bottom tend to miss it.","start":1031.105,"end":1034.3049,"sentiment":"neutral","sentiment_score":-0.26165400445461273},{"text":"And if you miss it by a few days, you miss out on a lot of money.","start":1034.3049,"end":1037.2649,"sentiment":"negative","sentiment_score":-0.4179631489164689}],"sentiment":"neutral","sentiment_score":-0.13806526469898986,"num_words":94,"start":1015.395,"end":1037.2649},{"sentences":[{"text":"So we tend to just take a moment, buy into the investment.","start":1037.2649,"end":1040.625,"sentiment":"neutral","sentiment_score":0.17157762125134468},{"text":"And then by dollar cost averaging, you're buying into all the investments and taking advantage of advantage of the market ups and downs.","start":1040.625,"end":1047.35,"sentiment":"neutral","sentiment_score":0.3110165051791979},{"text":"So when we see a downtime where the portfolio might be down a bit, your same amount of money goes in, you buy into those units into the investments at a discounted rate.","start":1047.35,"end":1057.19,"sentiment":"neutral","sentiment_score":0.09522281180728566},{"text":"And as the portfolio comes out and shows recovery, you'll actually have, you know, reduced your buy price a little bit, gained from a little bit more growth there as well.","start":1057.19,"end":1065.6951,"sentiment":"neutral","sentiment_score":0.2906950890056549},{"text":"And the other buy a few more units of those investments, the best way to sort of look at it is if you own, say, CBA, sorry, and you bought that for, say, $50 per share, the next day it went up to, say, a $100 per share, you've made a 50% gain on that one.","start":1065.6951,"end":1081.07,"sentiment":"neutral","sentiment_score":0.16531364699559553}],"sentiment":"neutral","sentiment_score":0.19757274744972106,"num_words":155,"start":1037.2649,"end":1081.07},{"sentences":[{"text":"If it then the next day went down to $20 per share and you invested another $100 in, you're buying in at $20.","start":1081.13,"end":1088.015,"sentiment":"neutral","sentiment_score":0.17029638944760614},{"text":"So you end up buying more units to that investment than you would have initially with the same $100.","start":1088.015,"end":1093.315,"sentiment":"neutral","sentiment_score":0.29518531419728933},{"text":"And then the next day, it goes back up to a $100, and you own more units to that investment, and it's made more money for you.","start":1093.375,"end":1098.975,"sentiment":"positive","sentiment_score":0.3691238269761757},{"text":"And you bought in at the dip without having to time the the market, essentially.","start":1098.975,"end":1103.03,"sentiment":"neutral","sentiment_score":0.3041857659816742},{"text":"So that's essentially how it works, and that's how we try to take advantage of these sorts of market conditions.","start":1103.17,"end":1109.27,"sentiment":"positive","sentiment_score":0.36930159851908684}],"sentiment":"neutral","sentiment_score":0.30231249726449066,"num_words":104,"start":1081.13,"end":1109.27},{"sentences":[{"text":"Does that make sense?","start":1109.3301,"end":1110.4701,"sentiment":"neutral","sentiment_score":0.2364869862794876},{"text":"Yeah.","start":1112.4501,"end":1112.9501,"sentiment":"neutral","sentiment_score":0.19272452592849731},{"text":"Okay.","start":1113.9701,"end":1114.4701,"sentiment":"neutral","sentiment_score":0.24582402408123016},{"text":"Mhmm.","start":1123.6749,"end":1124.1749,"sentiment":"neutral","sentiment_score":0.1428488940000534},{"text":"Yep.","start":1124.715,"end":1125.215,"sentiment":"neutral","sentiment_score":0.1934095323085785}],"sentiment":"neutral","sentiment_score":0.21509436517953873,"num_words":8,"start":1109.3301,"end":1125.215},{"sentences":[{"text":"Yeah.","start":1131.45,"end":1131.95,"sentiment":"neutral","sentiment_score":0.2047063708305359},{"text":"No.","start":1141.0651,"end":1141.305,"sentiment":"neutral","sentiment_score":0.028928520157933235},{"text":"Yeah.","start":1141.305,"end":1141.785,"sentiment":"neutral","sentiment_score":0.07670579850673676},{"text":"Correct.","start":1141.785,"end":1142.285,"sentiment":"neutral","sentiment_score":0.12340791523456572},{"text":"Yeah.","start":1142.345,"end":1142.665,"sentiment":"neutral","sentiment_score":0.19592136144638064}],"sentiment":"neutral","sentiment_score":0.12593399323523044,"num_words":5,"start":1131.45,"end":1142.665},{"sentences":[{"text":"So yeah.","start":1142.665,"end":1143.545,"sentiment":"neutral","sentiment_score":0.2848091721534729},{"text":"Definitely.","start":1143.545,"end":1144.045,"sentiment":"positive","sentiment_score":0.45917391777038574},{"text":"You'll actually get bank account information for the Hub twenty four investment account.","start":1144.105,"end":1148.285,"sentiment":"neutral","sentiment_score":0.32630612873114073},{"text":"And unlike your super, there's no contributions caps or anything like that.","start":1148.345,"end":1151.785,"sentiment":"neutral","sentiment_score":0.1614612266421318},{"text":"This is your money in your own name.","start":1151.785,"end":1153.625,"sentiment":"positive","sentiment_score":0.34035665169358253}],"sentiment":"neutral","sentiment_score":0.2758655519121223,"num_words":36,"start":1142.665,"end":1153.625},{"sentences":[{"text":"So if you have a bit of extra cash you wanna put in on a random day or you feel like it's dropped a little bit, you wanna sort of take advantage of that, you can absolutely put more money in.","start":1153.625,"end":1162.1,"sentiment":"positive","sentiment_score":0.4357292157847707},{"text":"You don't have to tell us.","start":1162.1,"end":1163.5599,"sentiment":"neutral","sentiment_score":0.16521926720937094},{"text":"At the same time, if you want to have that conversation with me and work out whether it's a good time to buy, I'm I'm more than happy to sort of make that help you make that decision.","start":1163.7,"end":1171.7051,"sentiment":"positive","sentiment_score":0.5552008630413758},{"text":"So this investment is solely in your name that you get to add as much money or as little money as you want and have it growing for as long as you like.","start":1171.7051,"end":1180.44,"sentiment":"positive","sentiment_score":0.46411863601568976},{"text":"It is really important to note that the it is a personal investment account, and it is in your 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well.","start":1185.6399,"end":1199.815,"sentiment":"neutral","sentiment_score":0.17461929789611272},{"text":"Okay.","start":1199.815,"end":1200.315,"sentiment":"neutral","sentiment_score":0.12875984609127045},{"text":"Yeah.","start":1202.135,"end":1202.635,"sentiment":"neutral","sentiment_score":0.1960361897945404},{"text":"Perfect.","start":1204.0549,"end":1204.5549,"sentiment":"positive","sentiment_score":0.5468987226486206},{"text":"Mhmm.","start":1206.15,"end":1206.65,"sentiment":"neutral","sentiment_score":0.08978117257356644}],"sentiment":"neutral","sentiment_score":0.17958153826448153,"num_words":53,"start":1185.6399,"end":1206.65},{"sentences":[{"text":"Yeah.","start":1216.55,"end":1216.87,"sentiment":"neutral","sentiment_score":0.11526905000209808},{"text":"It does.","start":1216.87,"end":1217.35,"sentiment":"neutral","sentiment_score":0.1452946811914444},{"text":"So when you put the money into there, we initiate the tell Hub 24 what investments to buy into.","start":1217.35,"end":1223.955,"sentiment":"neutral","sentiment_score":0.08464000452505915},{"text":"Normally, when the money goes in if it goes in around about their cash management time, they'll do an automatic buy and sell.","start":1224.575,"end":1230.255,"sentiment":"neutral","sentiment_score":0.1010560224885526},{"text":"But if it's outside of their normal cash management week, then we'll initiate the buy and sell.","start":1230.255,"end":1234.8301,"sentiment":"neutral","sentiment_score":0.08029308619306368}],"sentiment":"neutral","sentiment_score":0.09198854001419197,"num_words":62,"start":1216.55,"end":1234.8301},{"sentences":[{"text":"But we get notified as soon as the money hits the account so we can press go straight away and have that money invested nice and quick for you.","start":1234.8301,"end":1241.5701,"sentiment":"neutral","sentiment_score":0.27535309848086587},{"text":"Yeah.","start":1243.7101,"end":1244.2101,"sentiment":"positive","sentiment_score":0.3406825661659241},{"text":"Oh, good.","start":1244.91,"end":1245.81,"sentiment":"neutral","sentiment_score":0.09308667108416557},{"text":"Yeah.","start":1249.225,"end":1249.725,"sentiment":"neutral","sentiment_score":0.04955417290329933},{"text":"Absolutely.","start":1253.5449,"end":1254.0449,"sentiment":"positive","sentiment_score":0.4528641104698181}],"sentiment":"neutral","sentiment_score":0.265132766107426,"num_words":34,"start":1234.8301,"end":1254.0449},{"sentences":[{"text":"And you wanna make sure it's working.","start":1254.4249,"end":1256.0249,"sentiment":"positive","sentiment_score":0.46504948820386616},{"text":"It's absolutely fine.","start":1256.0249,"end":1257.065,"sentiment":"positive","sentiment_score":0.5289680163065592},{"text":"And as part of your reviews, you and I'll go through your sleep, but we'll also look at your investment, look at how that's tracking, and talk about what the way the money is invested and what is happening, and we can update the advice moving forward to reflect changes that you might need to make.","start":1257.065,"end":1270.56,"sentiment":"neutral","sentiment_score":0.31155047778572353},{"text":"And you've got me here to obviously keep looking at it with you.","start":1270.8,"end":1273.4401,"sentiment":"positive","sentiment_score":0.49798476237517136},{"text":"So to the advantage of having this sort of account, building wealth for yourself, for your future, and your kids, and, you know, down the track, if you need that extra money for something, you've always got it there growing on the side.","start":1273.4401,"end":1284.9951,"sentiment":"positive","sentiment_score":0.5901264728501786}],"sentiment":"positive","sentiment_score":0.4437567005391981,"num_words":122,"start":1254.4249,"end":1284.9951},{"sentences":[{"text":"Yeah.","start":1287.23,"end":1287.73,"sentiment":"positive","sentiment_score":0.4513027667999267},{"text":"Perfect.","start":1288.19,"end":1288.69,"sentiment":"positive","sentiment_score":0.7101559638977051},{"text":"All good.","start":1289.23,"end":1290.0499,"sentiment":"positive","sentiment_score":0.6552225351333618},{"text":"Is there anything particular you wanted me to kinda touch base on?","start":1290.83,"end":1294.0299,"sentiment":"neutral","sentiment_score":0.1448980209728082},{"text":"Did you wanna just take it some time to go back and have a read through it, or what would you yep.","start":1294.0299,"end":1304.1749,"sentiment":"neutral","sentiment_score":0.10061801394278352}],"sentiment":"neutral","sentiment_score":0.1690599041941919,"num_words":38,"start":1287.23,"end":1304.1749},{"sentences":[{"text":"No.","start":1308.715,"end":1308.955,"sentiment":"neutral","sentiment_score":-0.05664774775505066},{"text":"That's absolutely fine.","start":1308.955,"end":1310.575,"sentiment":"positive","sentiment_score":0.33549335102240246},{"text":"Yeah.","start":1311.09,"end":1311.59,"sentiment":"neutral","sentiment_score":0.09865187108516692},{"text":"K.","start":1317.1699,"end":1317.6699,"sentiment":"neutral","sentiment_score":0.07908886671066284},{"text":"Yeah.","start":1319.33,"end":1319.73,"sentiment":"neutral","sentiment_score":0.2875760495662689}],"sentiment":"neutral","sentiment_score":0.20216415609632218,"num_words":7,"start":1308.715,"end":1319.73},{"sentences":[{"text":"That's perfectly fine.","start":1319.73,"end":1320.9299,"sentiment":"positive","sentiment_score":0.5266353984673818},{"text":"I'm happy to help you out.","start":1320.9299,"end":1322.21,"sentiment":"positive","sentiment_score":0.8041883011658987},{"text":"As I said, it's really I do apologize for taking a bit longer to get this presented to you.","start":1322.21,"end":1326.125,"sentiment":"neutral","sentiment_score":0.006114019571166289},{"text":"We've had a little bit of a backlog there, but I've been working overtime to get everything knocked out.","start":1326.125,"end":1330.545,"sentiment":"neutral","sentiment_score":-0.002615620627215034},{"text":"And I wanna make sure we're here to help you, you know, meet your goals in every area.","start":1330.765,"end":1334.925,"sentiment":"positive","sentiment_score":0.44052738034062916}],"sentiment":"neutral","sentiment_score":0.22155382197636825,"num_words":65,"start":1319.73,"end":1334.925},{"sentences":[{"text":"So looking forward to, you know, whatever you decide, I'm here to support you along the way.","start":1334.925,"end":1339.005,"sentiment":"positive","sentiment_score":0.48000719266779285},{"text":"So and part of what I love about my job is the educational value.","start":1339.005,"end":1342.58,"sentiment":"positive","sentiment_score":0.42486925210271564},{"text":"It's not just taking the money and investing it, but helping talk to you about what it's invested in, how it works, what we can do, and working towards your goals there as well.","start":1342.58,"end":1351.14,"sentiment":"positive","sentiment_score":0.4842293876058915},{"text":"So yeah.","start":1351.14,"end":1352.28,"sentiment":"neutral","sentiment_score":0.33133330941200256},{"text":"Easy.","start":1355.635,"end":1356.135,"sentiment":"positive","sentiment_score":0.5540822148323059}],"sentiment":"positive","sentiment_score":0.46748293848598704,"num_words":68,"start":1334.925,"end":1356.135},{"sentences":[{"text":"All good.","start":1356.355,"end":1357.255,"sentiment":"positive","sentiment_score":0.5466902852058411},{"text":"All good.","start":1357.315,"end":1357.715,"sentiment":"positive","sentiment_score":0.45991310477256775},{"text":"Well, I'll let you go.","start":1357.715,"end":1358.755,"sentiment":"neutral","sentiment_score":0.14606632590293883},{"text":"You can go and look after Angus.","start":1358.755,"end":1361.335,"sentiment":"neutral","sentiment_score":0.12862827203103475},{"text":"I will you've got the documents there.","start":1361.5549,"end":1363.395,"sentiment":"neutral","sentiment_score":0.13124798238277435}],"sentiment":"neutral","sentiment_score":0.19837705175513806,"num_words":23,"start":1356.355,"end":1363.395},{"sentences":[{"text":"Feel free to have a read through it.","start":1363.395,"end":1364.515,"sentiment":"neutral","sentiment_score":0.18892633728682995},{"text":"If you wanna talk to Erin, absolutely okay.","start":1364.515,"end":1366.535,"sentiment":"neutral","sentiment_score":0.2380193956196308},{"text":"And if you do happen to have any questions, let me know.","start":1366.7201,"end":1369.3,"sentiment":"neutral","sentiment_score":0.14699540100991726},{"text":"Okay?","start":1369.4401,"end":1369.9401,"sentiment":"neutral","sentiment_score":0.0864233747124672},{"text":"Here you see.","start":1372.7201,"end":1373.6201,"sentiment":"neutral","sentiment_score":0.08747509618600209}],"sentiment":"neutral","sentiment_score":0.17276122933253646,"num_words":32,"start":1363.395,"end":1373.6201},{"sentences":[{"text":"Yep.","start":1376.4801,"end":1376.9801,"sentiment":"neutral","sentiment_score":0.08169383555650711},{"text":"Yep.","start":1377.76,"end":1378.0,"sentiment":"neutral","sentiment_score":0.08406813442707062},{"text":"Yep.","start":1378.0,"end":1378.3201,"sentiment":"neutral","sentiment_score":0.09691618382930756},{"text":"Just sign the document.","start":1378.3201,"end":1379.3601,"sentiment":"neutral","sentiment_score":0.0995421502739191},{"text":"It'll come back to me, and then we'll start by opening up the account.","start":1379.3601,"end":1382.865,"sentiment":"neutral","sentiment_score":0.12518818942563875}],"sentiment":"neutral","sentiment_score":0.11492768604130972,"num_words":21,"start":1376.4801,"end":1382.865},{"sentences":[{"text":"One of my lovely team will give you a call, get the bank details so we can organize the direct deposit into the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you.","start":1383.165,"end":1400.1901,"sentiment":"neutral","sentiment_score":0.23290029034685733},{"text":"Yeah.","start":1402.0901,"end":1402.5901,"sentiment":"positive","sentiment_score":0.38982343673706055},{"text":"Beautiful.","start":1403.05,"end":1403.55,"sentiment":"positive","sentiment_score":0.4272186756134033},{"text":"All good.","start":1404.25,"end":1404.9901,"sentiment":"positive","sentiment_score":0.7714073956012726},{"text":"Lovely.","start":1406.9701,"end":1407.4701,"sentiment":"positive","sentiment_score":0.7969057559967041}],"sentiment":"neutral","sentiment_score":0.26057058489984936,"num_words":72,"start":1383.165,"end":1407.4701},{"sentences":[{"text":"Well, I will let you go there, Jack.","start":1407.6901,"end":1409.6901,"sentiment":"positive","sentiment_score":0.5481857880949974},{"text":"I thank you so much for taking the time tonight to run through this with me.","start":1409.6901,"end":1413.145,"sentiment":"positive","sentiment_score":0.8348005823791027},{"text":"I hope you have a lovely evening.","start":1413.145,"end":1414.745,"sentiment":"positive","sentiment_score":0.7978552154132298},{"text":"I'll let you go to, hang out with Angus, and have a good rest of your night.","start":1414.745,"end":1418.0249,"sentiment":"positive","sentiment_score":0.656917880563175},{"text":"And you just let me know if there's anything that you need or any other questions you have.","start":1418.0249,"end":1421.225,"sentiment":"positive","sentiment_score":0.385235243373447}],"sentiment":"positive","sentiment_score":0.6277139466820341,"num_words":66,"start":1407.6901,"end":1421.225},{"sentences":[{"text":"Does that sound okay?","start":1421.225,"end":1422.2849,"sentiment":"neutral","sentiment_score":0.1697855331003666},{"text":"My pleasure.","start":1425.7999,"end":1426.44,"sentiment":"positive","sentiment_score":0.6266751289367676},{"text":"You have an amazing evening.","start":1426.44,"end":1428.22,"sentiment":"positive","sentiment_score":0.7690263748168945},{"text":"Thank you for your time.","start":1428.36,"end":1429.66,"sentiment":"positive","sentiment_score":0.7917299509048462},{"text":"Thanks.","start":1431.16,"end":1431.66,"sentiment":"positive","sentiment_score":0.6185656785964966}],"sentiment":"positive","sentiment_score":0.6091082174988354,"num_words":17,"start":1421.225,"end":1431.66},{"sentences":[{"text":"See you later.","start":1431.72,"end":1432.52,"sentiment":"positive","sentiment_score":0.3852277894814809},{"text":"Bye.","start":1432.52,"end":1433.02,"sentiment":"neutral","sentiment_score":-0.11123209446668623}],"sentiment":"neutral","sentiment_score":0.2611128184944391,"num_words":4,"start":1431.72,"end":1433.02}]}}]},{"alternatives":[{"transcript":"Hello. Jack speaking. I'm good. Yourself? Absolutely. No. It was a good day. They just parked along. Doing a bit of building. Yep. Jack Russell. '96 and 275 Mount Sidewood Road. I can go get access to them. I'll just Are you waiting for me? If you wanna start, that'll be good. I'm not too far away. Yep. Yep. Yeah. You say 16% average? Yep. Okay. Sounds pretty good. Yeah. Yep. What one just jump in. I'm just looking at my emails. I got four documents from you. Go. Yeah. Right. No worries. Yep. I'm looking at it. I'm looking at it now. Yep. Sure. This doesn't look like too much to me, to be honest off the top of my head. Oh, this is like this this is the split of where they'll be. Wait. I think so. Oh, yep. Yep. Yeah. I think I was a page off. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Pretty well. Yep. To for for a newbie. Yep. No. That's not all. I want to look at it, to be honest. So and, yeah, I just I guess one thing I was just thinking it was the 1.1 commission. That's on how much you're making, Not on the total of the portfolio? Yes. Yeah. Right. Yes. No. Yeah. Not too many questions. Just, I suppose, like, if I download the Hub 24 app, this will be linked in there as well once once if we go ahead with it all. Yep. Yep. Yeah. Right. And and, like, right now is probably not the worst time to buy. I would because that would Yeah. Yeah. And when you do, like because there would be times when, like, you look at the you probably look at it and go, this is an obvious one to buy. And, like, if I was looking at it and thinking the same thing and I put more money into my hub 24, you you guys would order that. When when the money when there's money in there, you like, I I don't have to tell you if I wanna put a bit extra money in. I can just sort of do it. And and Yep. Yep. Fair enough. Yeah. So sort of as soon as soon as I transfer it in there, it's, like, not as soon as I do it, but then, yeah, it sort of or does it automatically get invested into those companies then? Yeah. Yeah. Right. Yes. Yep. That sounds good. Not that I'm not that I followed too much, but now I got if I got money in there, I'll probably be able to game every now and then or something. Yeah. Absolutely. Yeah. I probably will just yeah. Maybe later tonight if I can hear you. Young Angus out here crying, so I better not stay too long. But, yeah, I might just I'll have a quick look for it. But, yeah, like, we sort of we sort of made this plan a while ago. So, yeah, I'm probably gonna be pretty happy to proceed, to be honest. Yeah. That's that sounds good. Yeah. No worries. And when I'm ready, I I can just sign sign this here now and Yeah. That sounds good. No. That's ugly. Thank you. Bye. You too. See 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Jack speaking. I'm good. Yourself? Absolutely.\n\nNo. It was a good day. They just parked along. Doing a bit of building. Yep.\n\nJack Russell. '96 and 275 Mount Sidewood Road. I can go get access to them. I'll just Are you waiting for me? If you wanna start, that'll be good.\n\nI'm not too far away. Yep. Yep. Yeah. You say 16% average?\n\nYep. Okay. Sounds pretty good. Yeah. Yep.\n\nWhat one just jump in. I'm just looking at my emails. I got four documents from you. Go. Yeah.\n\nRight. No worries. Yep. I'm looking at it. I'm looking at it now.\n\nYep. Sure. This doesn't look like too much to me, to be honest off the top of my head. Oh, this is like this this is the split of where they'll be. Wait.\n\nI think so. Oh, yep. Yep. Yeah. I think I was a page off.\n\nYep. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Pretty well. Yep. To for for a newbie.\n\nYep. No. That's not all. I want to look at it, to be honest. So and, yeah, I just I guess one thing I was just thinking it was the 1.1 commission.\n\nThat's on how much you're making, Not on the total of the portfolio? Yes. Yeah. Right. Yes.\n\nNo. Yeah. Not too many questions. Just, I suppose, like, if I download the Hub 24 app, this will be linked in there as well once once if we go ahead with it all. Yep.\n\nYep. Yeah. Right. And and, like, right now is probably not the worst time to buy. I would because that would Yeah.\n\nYeah. And when you do, like because there would be times when, like, you look at the you probably look at it and go, this is an obvious one to buy. And, like, if I was looking at it and thinking the same thing and I put more money into my hub 24, you you guys would order that. When when the money when there's money in there, you like, I I don't have to tell you if I wanna put a bit extra money in. I can just sort of do it.\n\nAnd and Yep. Yep. Fair enough. Yeah. So sort of as soon as soon as I transfer it in there, it's, like, not as soon as I do it, but then, yeah, it sort of or does it automatically get invested into those companies then?\n\nYeah. Yeah. Right. Yes. Yep.\n\nThat sounds good. Not that I'm not that I followed too much, but now I got if I got money in there, I'll probably be able to game every now and then or something. Yeah. Absolutely. Yeah.\n\nI probably will just yeah. Maybe later tonight if I can hear you. Young Angus out here crying, so I better not stay too long. But, yeah, I might just I'll have a quick look for it. But, yeah, like, we sort of we sort of made this plan a while ago.\n\nSo, yeah, I'm probably gonna be pretty happy to proceed, to be honest. Yeah. That's that sounds good. Yeah. No worries.\n\nAnd when I'm ready, I I can just sign sign this here now and Yeah. That sounds good. No. That's ugly. Thank you.\n\nBye. You too. See you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.029851034283638},{"text":"Jack speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.02587970532476902},{"text":"I'm good.","start":6.96,"end":7.6,"sentiment":"positive","sentiment_score":0.5366888046264648},{"text":"Yourself?","start":7.6,"end":8.1,"sentiment":"positive","sentiment_score":0.37191373109817505},{"text":"Absolutely.","start":12.775,"end":13.275,"sentiment":"neutral","sentiment_score":0.16162240505218506}],"sentiment":"neutral","sentiment_score":0.24121774147663796,"num_words":7,"start":0.39999998,"end":13.275},{"sentences":[{"text":"No.","start":21.814999,"end":22.134998,"sentiment":"neutral","sentiment_score":0.06510977447032928},{"text":"It was a good day.","start":22.134998,"end":23.355,"sentiment":"neutral","sentiment_score":0.17660787999629973},{"text":"They just parked 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average?","start":240.855,"end":242.955,"sentiment":"neutral","sentiment_score":0.020875864196568727}],"sentiment":"neutral","sentiment_score":0.0443193370786806,"num_words":12,"start":106.895,"end":242.955},{"sentences":[{"text":"Yep.","start":247.255,"end":247.755,"sentiment":"neutral","sentiment_score":0.11513378471136092},{"text":"Okay.","start":247.815,"end":248.315,"sentiment":"neutral","sentiment_score":0.12979283928871155},{"text":"Sounds pretty good.","start":248.855,"end":249.915,"sentiment":"positive","sentiment_score":0.3495520353317261},{"text":"Yeah.","start":289.04,"end":289.54,"sentiment":"neutral","sentiment_score":0.06263671070337296},{"text":"Yep.","start":311.97,"end":312.47,"sentiment":"neutral","sentiment_score":0.06392011046409607}],"sentiment":"neutral","sentiment_score":0.20287707873753139,"num_words":7,"start":247.255,"end":312.47},{"sentences":[{"text":"What one just jump in.","start":314.44998,"end":316.37,"sentiment":"neutral","sentiment_score":-0.007172799669206142},{"text":"I'm just looking at my emails.","start":316.37,"end":317.83,"sentiment":"neutral","sentiment_score":0.000509646721184254},{"text":"I got four documents from you.","start":318.53,"end":321.19,"sentiment":"neutral","sentiment_score":0.034820285315314926},{"text":"Go.","start":321.88998,"end":322.38998,"sentiment":"neutral","sentiment_score":0.0291362889111042},{"text":"Yeah.","start":344.13998,"end":344.54,"sentiment":"neutral","sentiment_score":0.11689110100269318}],"sentiment":"neutral","sentiment_score":0.016954893883513778,"num_words":19,"start":314.44998,"end":344.54},{"sentences":[{"text":"Right.","start":344.54,"end":345.02,"sentiment":"neutral","sentiment_score":0.0953471064567566},{"text":"No worries.","start":345.02,"end":345.58,"sentiment":"neutral","sentiment_score":0.05923443101346493},{"text":"Yep.","start":345.58,"end":345.82,"sentiment":"neutral","sentiment_score":0.15473024547100067},{"text":"I'm looking at it.","start":345.82,"end":346.69998,"sentiment":"neutral","sentiment_score":0.15451913326978683},{"text":"I'm looking at it now.","start":346.69998,"end":347.91998,"sentiment":"neutral","sentiment_score":0.2107507586479187}],"sentiment":"neutral","sentiment_score":0.15695204155949447,"num_words":13,"start":344.54,"end":347.91998},{"sentences":[{"text":"Yep.","start":361.465,"end":361.965,"sentiment":"neutral","sentiment_score":0.17210595309734344},{"text":"Sure.","start":368.61002,"end":369.11002,"sentiment":"neutral","sentiment_score":0.2753814458847046},{"text":"This doesn't look like too much to me, to be honest off the top of my head.","start":375.25,"end":379.59,"sentiment":"neutral","sentiment_score":0.03535023813738542},{"text":"Oh, this is like this this is the split of where they'll be.","start":379.65,"end":382.965,"sentiment":"neutral","sentiment_score":0.024702413724018976},{"text":"Wait.","start":387.605,"end":388.105,"sentiment":"neutral","sentiment_score":0.007602819707244635}],"sentiment":"neutral","sentiment_score":0.0417325953162755,"num_words":33,"start":361.465,"end":388.105},{"sentences":[{"text":"I think so.","start":388.32498,"end":389.225,"sentiment":"neutral","sentiment_score":0.012613708153367043},{"text":"Oh, yep.","start":392.165,"end":392.805,"sentiment":"neutral","sentiment_score":0.009206213522702456},{"text":"Yep.","start":392.805,"end":393.125,"sentiment":"neutral","sentiment_score":0.025637060403823853},{"text":"Yeah.","start":393.125,"end":393.285,"sentiment":"neutral","sentiment_score":0.009291816502809525},{"text":"I think I was a page off.","start":393.285,"end":394.745,"sentiment":"neutral","sentiment_score":-0.020235926445041384}],"sentiment":"neutral","sentiment_score":-0.003604932621653591,"num_words":14,"start":388.32498,"end":394.745},{"sentences":[{"text":"Yep.","start":402.5,"end":403.0,"sentiment":"neutral","sentiment_score":-0.013083523139357569},{"text":"Yeah.","start":438.385,"end":438.885,"sentiment":"neutral","sentiment_score":-0.05231177806854248},{"text":"Yep.","start":465.925,"end":466.425,"sentiment":"neutral","sentiment_score":0.14103788137435913},{"text":"Yep.","start":496.165,"end":496.665,"sentiment":"neutral","sentiment_score":0.2009120881557465},{"text":"Yep.","start":552.345,"end":552.845,"sentiment":"positive","sentiment_score":0.3431698679924011}],"sentiment":"neutral","sentiment_score":0.12394490726292133,"num_words":5,"start":402.5,"end":552.845},{"sentences":[{"text":"Yep.","start":718.645,"end":719.145,"sentiment":"neutral","sentiment_score":0.1236867755651474},{"text":"Yep.","start":761.59,"end":762.09,"sentiment":"neutral","sentiment_score":0.14078332483768463},{"text":"Pretty well.","start":823.92,"end":824.64,"sentiment":"positive","sentiment_score":0.4440360963344574},{"text":"Yep.","start":824.64,"end":825.14,"sentiment":"neutral","sentiment_score":0.2811172306537628},{"text":"To for for a newbie.","start":825.2,"end":835.84503,"sentiment":"neutral","sentiment_score":0.18128253966569902}],"sentiment":"neutral","sentiment_score":0.23400722220540046,"num_words":10,"start":718.645,"end":835.84503},{"sentences":[{"text":"Yep.","start":838.465,"end":838.965,"sentiment":"neutral","sentiment_score":0.0493893139064312},{"text":"No.","start":839.185,"end":839.425,"sentiment":"neutral","sentiment_score":-0.024390559643507004},{"text":"That's not all.","start":839.425,"end":840.76996,"sentiment":"neutral","sentiment_score":-0.06292761241396268},{"text":"I want to look at it, to be honest.","start":841.55,"end":842.99,"sentiment":"neutral","sentiment_score":-0.02404570600224866},{"text":"So and, yeah, I just I guess one thing I was just thinking it was the 1.1 commission.","start":842.99,"end":850.44995,"sentiment":"neutral","sentiment_score":0.08512667007744312}],"sentiment":"neutral","sentiment_score":0.0360026445123367,"num_words":32,"start":838.465,"end":850.44995},{"sentences":[{"text":"That's on how much you're making, Not on the total of the portfolio?","start":850.50995,"end":855.875,"sentiment":"neutral","sentiment_score":0.002938946422476035},{"text":"Yes.","start":884.515,"end":885.015,"sentiment":"neutral","sentiment_score":-0.07845533639192581},{"text":"Yeah.","start":907.12,"end":907.43994,"sentiment":"neutral","sentiment_score":0.09888749569654463},{"text":"Right.","start":907.43994,"end":907.75995,"sentiment":"neutral","sentiment_score":0.12391354888677596},{"text":"Yes.","start":907.75995,"end":908.145,"sentiment":"neutral","sentiment_score":0.15062549710273743}],"sentiment":"neutral","sentiment_score":0.01959867698743063,"num_words":17,"start":850.50995,"end":908.145},{"sentences":[{"text":"No.","start":918.54504,"end":919.04504,"sentiment":"neutral","sentiment_score":0.07517118006944656},{"text":"Yeah.","start":940.015,"end":940.335,"sentiment":"neutral","sentiment_score":0.03899765387177467},{"text":"Not too many questions.","start":940.335,"end":941.395,"sentiment":"neutral","sentiment_score":0.01627982407808304},{"text":"Just, I suppose, like, if I download the Hub 24 app, this will be linked in there as well once once if we go ahead with it all.","start":941.455,"end":950.03503,"sentiment":"neutral","sentiment_score":0.13683015374200685},{"text":"Yep.","start":960.62,"end":961.12,"sentiment":"neutral","sentiment_score":0.08810222148895264}],"sentiment":"neutral","sentiment_score":0.11710384732910566,"num_words":35,"start":918.54504,"end":961.12},{"sentences":[{"text":"Yep.","start":1003.59503,"end":1004.09503,"sentiment":"neutral","sentiment_score":0.10326112806797028},{"text":"Yeah.","start":1005.59503,"end":1005.91504,"sentiment":"neutral","sentiment_score":0.13233880698680878},{"text":"Right.","start":1005.91504,"end":1006.155,"sentiment":"neutral","sentiment_score":0.14949843287467957},{"text":"And and, like, right now is probably not the worst time to buy.","start":1006.155,"end":1011.36,"sentiment":"neutral","sentiment_score":-0.1645601231318254},{"text":"I would because that would Yeah.","start":1011.44,"end":1105.13,"sentiment":"neutral","sentiment_score":0.018678731091010075}],"sentiment":"neutral","sentiment_score":-0.07464140210173685,"num_words":22,"start":1003.59503,"end":1105.13},{"sentences":[{"text":"Yeah.","start":1112.505,"end":1113.005,"sentiment":"neutral","sentiment_score":0.2135295569896698},{"text":"And when you do, like because there would be times when, like, you look at the you probably look at it and go, this is an obvious one to buy.","start":1113.2251,"end":1123.245,"sentiment":"neutral","sentiment_score":0.18357988446950912},{"text":"And, like, if I was looking at it and thinking the same thing and I put more money into my hub 24, you you guys would order that.","start":1124.745,"end":1134.02,"sentiment":"neutral","sentiment_score":0.13854095579258033},{"text":"When when the money when there's money in there, you like, I I don't have to tell you if I wanna put a bit extra money in.","start":1134.02,"end":1139.78,"sentiment":"neutral","sentiment_score":0.16072378445554664},{"text":"I can just sort of do it.","start":1139.78,"end":1141.215,"sentiment":"neutral","sentiment_score":0.19977726893765585}],"sentiment":"neutral","sentiment_score":0.16492533243151122,"num_words":93,"start":1112.505,"end":1141.215},{"sentences":[{"text":"And and Yep.","start":1141.215,"end":1164.51,"sentiment":"neutral","sentiment_score":0.23663007840514183},{"text":"Yep.","start":1200.945,"end":1201.445,"sentiment":"neutral","sentiment_score":0.1276330053806305},{"text":"Fair enough.","start":1202.705,"end":1203.445,"sentiment":"neutral","sentiment_score":0.3199637085199356},{"text":"Yeah.","start":1203.905,"end":1204.225,"sentiment":"positive","sentiment_score":0.3708421587944031},{"text":"So sort of as soon as soon as I transfer it in there, it's, like, not as soon as I do it, but then, yeah, it sort of or does it automatically get invested into those companies then?","start":1204.225,"end":1215.38,"sentiment":"neutral","sentiment_score":0.06918255921061102}],"sentiment":"neutral","sentiment_score":0.09949400147630108,"num_words":45,"start":1141.215,"end":1215.38},{"sentences":[{"text":"Yeah.","start":1218.3201,"end":1218.8201,"sentiment":"neutral","sentiment_score":0.05370577424764633},{"text":"Yeah.","start":1242.12,"end":1242.52,"sentiment":"neutral","sentiment_score":0.12945258617401123},{"text":"Right.","start":1242.52,"end":1242.8401,"sentiment":"neutral","sentiment_score":0.127835214138031},{"text":"Yes.","start":1242.8401,"end":1243.16,"sentiment":"neutral","sentiment_score":0.13829398155212402},{"text":"Yep.","start":1243.16,"end":1243.56,"sentiment":"neutral","sentiment_score":0.1846008002758026}],"sentiment":"neutral","sentiment_score":0.12677767127752304,"num_words":5,"start":1218.3201,"end":1243.56},{"sentences":[{"text":"That sounds good.","start":1243.56,"end":1244.4401,"sentiment":"neutral","sentiment_score":0.2748139003912608},{"text":"Not that I'm not that I followed too much, but now I got if I got money in there, I'll probably be able to game every now and then or something.","start":1244.4401,"end":1252.965,"sentiment":"neutral","sentiment_score":0.0687812984049801},{"text":"Yeah.","start":1285.625,"end":1286.105,"sentiment":"neutral","sentiment_score":0.30178102850914},{"text":"Absolutely.","start":1286.105,"end":1286.605,"sentiment":"positive","sentiment_score":0.4206939935684204},{"text":"Yeah.","start":1299.8351,"end":1300.0751,"sentiment":"neutral","sentiment_score":0.04154747724533081}],"sentiment":"neutral","sentiment_score":0.10055903921759612,"num_words":37,"start":1243.56,"end":1300.0751},{"sentences":[{"text":"I probably will just yeah.","start":1300.0751,"end":1302.0751,"sentiment":"neutral","sentiment_score":-0.03254112675786018},{"text":"Maybe later tonight if I can hear you.","start":1302.0751,"end":1304.4751,"sentiment":"neutral","sentiment_score":-0.04755491251125932},{"text":"Young Angus out here crying, so I better not stay too long.","start":1304.4751,"end":1308.3351,"sentiment":"neutral","sentiment_score":-0.3157954812049866},{"text":"But, yeah, I might just I'll have a quick look for it.","start":1308.635,"end":1311.275,"sentiment":"neutral","sentiment_score":0.2647196128964424},{"text":"But, yeah, like, we sort of we sort of made this plan a while ago.","start":1311.275,"end":1314.9401,"sentiment":"neutral","sentiment_score":0.05941723684469859}],"sentiment":"neutral","sentiment_score":-0.005092246171373587,"num_words":52,"start":1300.0751,"end":1314.9401},{"sentences":[{"text":"So, yeah, I'm probably gonna be pretty happy to proceed, to be honest.","start":1314.9401,"end":1319.04,"sentiment":"neutral","sentiment_score":0.19447476646074882},{"text":"Yeah.","start":1340.2799,"end":1340.7799,"sentiment":"neutral","sentiment_score":0.2254370152950287},{"text":"That's that sounds good.","start":1353.675,"end":1355.375,"sentiment":"positive","sentiment_score":0.5757419168949127},{"text":"Yeah.","start":1371.0,"end":1371.4,"sentiment":"neutral","sentiment_score":0.0917695090174675},{"text":"No worries.","start":1371.4,"end":1372.2201,"sentiment":"neutral","sentiment_score":0.10826975479722023}],"sentiment":"neutral","sentiment_score":0.255470745975063,"num_words":21,"start":1314.9401,"end":1372.2201},{"sentences":[{"text":"And when I'm ready, I I can just sign sign this here now and Yeah.","start":1372.6001,"end":1401.33,"sentiment":"neutral","sentiment_score":0.11142538040876389},{"text":"That sounds good.","start":1401.39,"end":1402.53,"sentiment":"positive","sentiment_score":0.5024174253145853},{"text":"No.","start":1422.74,"end":1422.98,"sentiment":"negative","sentiment_score":-0.3469553589820862},{"text":"That's ugly.","start":1422.98,"end":1424.12,"sentiment":"negative","sentiment_score":-0.4525258094072342},{"text":"Thank you.","start":1424.26,"end":1425.0801,"sentiment":"positive","sentiment_score":0.36836281418800354}],"sentiment":"neutral","sentiment_score":0.11579789707194203,"num_words":23,"start":1372.6001,"end":1425.0801},{"sentences":[{"text":"Bye.","start":1426.3401,"end":1426.8401,"sentiment":"positive","sentiment_score":0.433537095785141},{"text":"You too.","start":1430.18,"end":1430.8401,"sentiment":"positive","sentiment_score":0.5187989771366119},{"text":"See you.","start":1431.3,"end":1432.04,"sentiment":"positive","sentiment_score":0.46752163767814636}],"sentiment":"positive","sentiment_score":0.48123566508293153,"num_words":5,"start":1426.3401,"end":1432.04}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jack speaking.\n\nChannel 0: Hi, Jack. It's Dana from Oakview Financial. How are you this afternoon?\n\nChannel 1: I'm good. Yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in. I just have a bit of an updated of advice for\n\nChannel 1: Absolutely.\n\nChannel 0: the investment to sort of go through with you today. Is now still a good time? Fantastic. How's your day been so far?\n\nChannel 1: No. It was a good day.\n\nChannel 0: Yeah.\n\nChannel 1: They\n\nChannel 0: Fantastic.\n\nChannel 1: just parked along. Doing a bit of\n\nChannel 0: Oh.\n\nChannel 1: building.\n\nChannel 0: Excellent. Excellent. Just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And the security there with you as well, just to confirm your full name, your date of birth, and address just because we are discussing your personal information.\n\nChannel 1: Jack Russell.\n\nChannel 0: Yeah.\n\nChannel 1: '96\n\nChannel 0: Yep.\n\nChannel 1: and 275 Mount Sidewood Road.\n\nChannel 0: Beautiful. Thank you so much for that. Now do you happen to have access to your emails at all? Or if you don't, that's absolutely okay. I can just run through the recommendations, and then I can send the documents to you after.\n\nIt's up to you.\n\nChannel 1: I can go get access to them.\n\nChannel 0: Yeah. Yeah. Beautiful.\n\nChannel 1: I'll\n\nChannel 0: Well, if you like yeah. It's okay. I'll send this document through\n\nChannel 1: just\n\nChannel 0: to your email just while you're heading over there. Excuse me. Hopefully, it pops through fairly quickly there for you.\n\nChannel 1: Are you waiting for me?\n\nChannel 0: No. You're right. That's okay. Did you want me to start kind of running through it now, or did you wanna wait want me to wait for you to pull up the email so you can have a look at it with me, or what would you prefer?\n\nChannel 1: If you wanna start, that'll be\n\nChannel 0: Yeah.\n\nChannel 1: good. I'm not\n\nChannel 0: That's\n\nChannel 1: too far\n\nChannel 0: okay.\n\nChannel 1: away.\n\nChannel 0: No. That's alright. You can always sort of run through it later sometimes. It's easier sort of when I am talking, you can see it in front of you. But at the same time, sometimes it's easier if I just run through the recommendations, and then you've got some time to go back and read the document and sort of, you know, decide whether you're happy to take those on or not.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: All good. Now when we sort of spoke last time, you wanted to sort of look at investing about $25,000 initially and then making regular contributions in and looking at maybe an investment portfolio, sorry, to see how that might look and what that can do for some of your funds there to keep it invested and keep it working harder for the future. So we have scoped in just a personal investment into this advice piece there for you. We've gone out there and had a really good look and looked at all the different investment options, the platforms available, and how do we invest the funds essentially to look at, you know, what it can do to help you moving forward. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: My voice is running out a little bit today. So if I pause, I do apologize. We were looking at investing and starting with $25,000 and then making a regular contribution of a $100 on a weekly basis into the investment and looking at how this can go over the next sort of five to ten years and what it can do to sort of help you moving forward. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: With regard to the recommendation, I am recommending that we open the investment with Hub twenty four so it is then linked to your super. You can then have everything linked in the background and sort of help to hopefully save administration fees down the track there as well. With regards to the investment portfolio, we did look you are a little bit less so I am recommending that the funds be invested in the balanced growth portfolio, which is designed to see about 70% of the funds invested in those growth assets and still keeping you at 30% defensive, which is good. With the investment portfolio that I am recommending there for you, it has been an average five year rolling average there of 16.55%. If the market was to sorta continue providing that way by making this regular contribution over the next sort of five to ten years, you could see that money grow upwards of about $70,000 over the next ten years upwards to about $160,000.\n\nThat is depending upon market reactions at the same time. Okay?\n\nChannel 1: You say 16% average?\n\nChannel 0: It's averaged that over the last five years. Yeah.\n\nChannel 1: Yep. Okay. Sounds pretty\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: It does. Insane that that's what it's done over the last five years. It is really important that we can sort of project this based on the past performance. However, I don't expect this portfolio to get 16% every year moving forward. We are seeing quite a bit of volatility with the markets and what is happening there.\n\nSo the same with Yesuper. We're looking at what it has done on average over the past couple of years to kind of show us the expected in the future. But we know that markets react differently. Since some years, you might get a 25% return. Other years, it might be a 20% return.\n\nIt could be 16%. It could also be a 10 or a 5% return some years as well. So it does just depend upon what the market is doing. And that's why we\n\nChannel 1: Yeah.\n\nChannel 0: are recommending to continue with the dollar cost averaging. Putting a $100 in on a weekly basis means that you can take advantage of those market ups and downs. So when the market is not performing as well, you're still putting that $100 in. You're buying more units of the investment, and it helps to sort of even out the risk, even out your returns, and help to even out the buy price in the investments as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Now the same as with this you're\n\nChannel 1: What\n\nChannel 0: right.\n\nChannel 1: one\n\nChannel 0: Sorry?\n\nChannel 1: just jump in. I'm just looking at my\n\nChannel 0: Yeah.\n\nChannel 1: emails.\n\nChannel 0: Yeah.\n\nChannel 1: I got four documents from you. Go.\n\nChannel 0: This yeah. So this one here, if you have a look, it should be this. You open the email. I think it says a little it has a little sign button. If you click on that, it takes you through so you can see the statement of advice.\n\nYeah. That's okay. It'll it won't ask you to sign anything until you've read it, so you don't have to sign anything. You get to take it back and read it as\n\nChannel 1: Yeah. Right. No\n\nChannel 0: well.\n\nChannel 1: worries.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. I'm looking at it. I'm looking at it now.\n\nChannel 0: Beautiful. Oh, good. If you're happy to I'm actually down on page number, sorry, 17 for you, which has got essentially the rundown of the recommendations and the cost involved.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Sure. This doesn't look like too much to me, to be honest off the top of my head. Oh, this is like this this is the split of where they'll be.\n\nChannel 0: Yeah. So you're looking at page number six 17. Is that right?\n\nChannel 1: Wait. I think so.\n\nChannel 0: It's the fee comparison table as the headline heading?\n\nChannel 1: Oh, yep. Yep. Yeah. I think I was a page\n\nChannel 0: Yep.\n\nChannel 1: off.\n\nChannel 0: No. All good. So you'll see that the current is showing the cash holding at the moment of the 20\n\nChannel 1: Yep.\n\nChannel 0: $5,000. Obviously, they're sitting in cash. The recommended is they're investing into the high 20 4 investment option. You'll see the starting balance does go down slightly by a $161. That's the expected by cost sorry.\n\nThe by cost of purchasing into the investments. The same as with your super, we do have administration fees, investment fees, any other fees applicable there, and the ongoing service fee, which for the investment that as it kind of went through initially is slightly different. So we just charge the one point, sorry, 1.1% on your super. Okay. Oh, so on your\n\nChannel 1: Yeah.\n\nChannel 0: investment account I do apologize. It's a super accident. Essentially, that's on the super account. So we do expect based on the current balance there, the ongoing service fee for the first twelve months is $313. That's for us looking after the investment account alongside your super there, making sure that it is working harder for you.\n\nWe'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Underneath that, you'll also see the contributions going in. So a $100 on a weekly basis just being a dollar cost average in. With Hub twenty four, if you wanted to be set up as a regular direct debit, they do direct debits once a month. So it'd be about $400 on a monthly basis coming out as a lump sum. Alternatively, you can set it up as, like, a BPay transaction from your from your net banking account, and you can do it on a weekly basis if you want it to be true dollar cost averaging.\n\nOkay? Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Underneath that, you'll see the essentially, the balance growth investment option there. So it does show you the five year rolling average. As I mentioned, this portfolio has shown over the past five years to average about 16.55%. And underneath that, you'll see the projection table there as well. So projecting at four if the market performed the way it has over the past five years.\n\nIn the next five years, by following the investment, you could end up with about 73,000. If you continued on over the next ten years, it could end up with about a 160. The benefits of having the investment account is unlike super, you can be putting as much money as you want into this. So if you have extra deposits you wanna put in each year or, you know, you've got a bit of extra money aside you wanted to have invested, you can make those deposits at any time. There's no caps.\n\nThere's no restrictions on putting money into the investments. And these are very liquid investments. So if you need the money back at any point, we can always draw the funds out for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The next page does outline and show you essentially how the performance of the portfolio has performed over the last twelve months, three, and five years there for you. And if you were to scroll backwards for me, just to to page number 15, this is essentially the portfolio that will see the funds invested in and show you what it looks like and essentially the portfolio that has received the past performance. You can see that. Okay?\n\nSo at the moment, you'll see you've got your liquid assets there at the very top. It is 25,000 to begin with. With the portfolio within Hub twenty four, they will start with the cybersecurity side of things. We essentially so sorry. We'll see about 4% invested in the beta share cybersecurity.\n\nCybersecurity is still a great area of of growth, and it's important to have a little bit of that in your portfolio. You'll see some Europeans and Japanese exposure there, so giving you access to other markets. The Vanguard or WorldX US, so this is giving you exposure to all the other countries by The US. It's giving you exposure to some well established countries, but also making sure you're getting access to some smaller countries as well. Diversification is one of the biggest ways to mitigate long term market risk.\n\nSo making sure you're invested in not just our country or The US or one or two countries. It's about making sure you're investing in all of them to take advantage of not only established markets and areas of current growth, but also market changes as well. So some countries will have up up and coming areas or may provide future growth. So having that sort of investment is really important. So with the Vanguard All World US sorry, ex US investment, you'll see about 7% invested in there.\n\nWe also have the S and P 500 at at the moment and 25% to be invested in there. I know a lot of people are quite concerned with having investments in The US, but it is still a great place to be invested. Equities are seeing a little bit of ups and downs at the moment. However, with the S and P 500, you're essentially tracking the S and P 500 index, which means you're always gonna be invested in the top 500 companies. One of the important things with the S and P 500 index is that the investment committee that set up the index, they essentially meet every quarter, and they look at what companies are eligible to remain in the S and P 500.\n\nIf they're no longer eligible, they are removed from that, and then other companies are put into place. And the S and P 500 index can encompass anywhere from 500 to 520 companies depending on who meets the criteria. So it's always a good sort of note that with that sort of investment, if something is underperforming, it is removed out of the index and something else is placed is put in the in its place. So you're always sort of tracking the top 500 of companies. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the data shares Aussie 200 there, so looking at the top 200 companies in Australia and on the ASX, which is important, it's always good to have some homegrown investments. And then we've also got some physical gold there as well. So this is a growth investment, but gold also works very defensively. So at times where your other investments or equities might not be performing as well, gold tends to do very well. Gold has seen lovely growth in the past this year, and it's also seeing some great growth just in the last week there as well.\n\nSo it's always good to have a bit of physical gold there. And the Global x Physical Gold investment is physical gold. It's called Bullion, and it's held in the JPMorgan Chase Bank in The UK. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Underneath that, we do have your defensive investments as well. So we've got the core composite bonds that are giving you exposure to income producing assets, like government and corporate bonds, and also the beta shares bank hybrids, which you do also hold in your super fund at the moment as well. Essentially, bank hybrids are, again, more of a defensive investment. They work in sort of two ways. So they do provide income a bit like bonds and 10 deposits do, but it also can be traded, and they tend to be sorry.\n\nAlso, provide growth there as well. I do apologize. I'm losing my voice a little bit. So sorry. So bank hybrids are very defensive in nature.\n\nThey are relatively low cost as well, and they tend to be very good for income producing. So one of the things we wanna see out of the portfolio is not only growth, but we wanna make sure your portfolio is generating incomes by way of dividends and coupon payments and interest payments out of the investments. So that gets reinvested back into your fund and helps to keep growing along with your regular dollar cost averaging into the investment. Does that all make sense so far?\n\nChannel 1: Pretty well. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: To\n\nChannel 0: Beautiful.\n\nChannel 1: for\n\nChannel 0: Do you have that's okay. Do you have\n\nChannel 1: for\n\nChannel 0: questions? You're welcome to ask me anything you like. If you,\n\nChannel 1: a\n\nChannel 0: you know, need me to kinda backtrack or go over anything, feel free\n\nChannel 1: newbie.\n\nChannel 0: to let me know there, Jack. That's what you have me here for.\n\nChannel 1: Yep. No. That's not all. I want to look at it, to be honest. So\n\nChannel 0: Yep. Perfect.\n\nChannel 1: and, yeah, I just I guess one thing I was just thinking it was the 1.1 commission. That's on how much you're making, Not on the total of the portfolio?\n\nChannel 0: So the ongoing, sorry, the ongoing fee of 1.1%, that is based on the balance in the portfolio. But, essentially, the idea of percentage based fee is the same as your super ongoing service fee is that it fluctuates with the market. So, essentially, having having a look at the way the market is performing, if the market is doing really well, if your investment portfolio is getting higher returns, then it means that we're gonna obviously make more money as well. However, if\n\nChannel 1: Yes.\n\nChannel 0: the market does take a bit of a dip, it means that the ongoing sales, say, takes a bit of a dip there with it as well. So whilst there isn't a balance of the portfolio, we don't really have a way of just structuring it, so it comes out of only the growth. It has to kinda come out of the whole portfolio structuring. This way means that it does fluctuate with the market, so it is linked to the performance of your super in a way. Yeah.\n\nChannel 1: Yeah. Right. Yes.\n\nChannel 0: Yeah. No. All good. All good. Having a look.\n\nEverything else is pretty well straightforward\n\nChannel 1: No.\n\nChannel 0: there. That's kind of most of the recommendations that I kinda had to go through there. As I said, there's no implementation fees for coming on board or doing this. It the recommendations are completely up to you at the end of the day. Did you have any questions in relation to anything?\n\nDid you just wanna sorta take it back and have a bit of a read through the document? Or\n\nChannel 1: Yeah. Not too many questions. Just, I suppose,\n\nChannel 0: yeah.\n\nChannel 1: like, if I download the Hub 24 app,\n\nChannel 0: Yep.\n\nChannel 1: this will be linked in there as well once once if we go ahead with it all.\n\nChannel 0: Absolutely. Yeah. So you'll be able to see your super fund and the investment account attached there. Be able to look at them both in the same place. There is obviously the advantages, disadvantages, and risks involved in this\n\nChannel 1: Yep.\n\nChannel 0: document, so you're welcome to go forward and have a look at those. We can link everything in the back end as well. So if it's able yeah. If we're able to link it up and help you save on administration fees in both your super and the investment, we'll absolutely do so. Having them both in the same platform means you'd be able to see them both on the same app, which is a benefit there for you, but also just making sure that you're aware that the money is invested in the market.\n\nThe markets do react differently, and we're seeing a bit of volatility at the moment. So markets can go up and down there. But, yeah, you'll be able to see everything in the one place to make it nice and easy for you. If you do happen to need funds, all these investments are very liquid, so the money can be drawn out fairly quickly for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Right. And\n\nChannel 0: Oh, good.\n\nChannel 1: and, like, right now is probably not the worst time to buy. I would because that\n\nChannel 0: Correct.\n\nChannel 1: would\n\nChannel 0: Yes. Markets have been very up and down. So purchasing in whilst I definitely do not try to time the market in any way, shape, or form. It's about just making sure that we understand that buying in and continuously dollar cost averaging is generally the best way to go. I can't tell when the top of the bottom of the market is, so I just don't don't try.\n\nMost people who try to pick the bottom top of the bottom tend to miss it. And if you miss it by a few days, you miss out on a lot of money. So we tend to just take a moment, buy into the investment. And then by dollar cost averaging, you're buying into all the investments and taking advantage of advantage of the market ups and downs. So when we see a downtime where the portfolio might be down a bit, your same amount of money goes in, you buy into those units into the investments at a discounted rate.\n\nAnd as the portfolio comes out and shows recovery, you'll actually have, you know, reduced your buy price a little bit, gained from a little bit more growth there as well. And the other buy a few more units of those investments, the best way to sort of look at it is if you own, say, CBA, sorry, and you bought that for, say, $50 per share, the next day it went up to, say, a $100 per share, you've made a 50% gain on that one. If it then the next day went down to $20 per share and you invested another $100 in, you're buying in at $20. So you end up buying more units to that investment than you would have initially with the same $100. And then the next day, it goes back up to a $100, and you own more units to that investment, and it's made more money for you.\n\nAnd you bought in at the dip without having to time the the market, essentially. So\n\nChannel 1: Yeah.\n\nChannel 0: that's essentially how it works, and that's how we try to take advantage of these sorts of market conditions. Does that make sense? Yeah.\n\nChannel 1: Yeah. And\n\nChannel 0: Okay.\n\nChannel 1: when you do, like because there would be times when, like, you look at the you probably look at it and go, this is an obvious one to buy.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: And, like, if I was looking at it and thinking the same thing and I put more money into my hub 24,\n\nChannel 0: Yeah.\n\nChannel 1: you you guys would order that. When when the money when there's money in there, you like, I I don't have to tell you if I wanna put a bit extra money in. I can just sort of do it.\n\nChannel 0: No.\n\nChannel 1: And\n\nChannel 0: Yeah. Correct. Yeah. So yeah. Definitely.\n\nYou'll actually get bank account information for the Hub twenty four investment\n\nChannel 1: and\n\nChannel 0: account. And unlike your super, there's no contributions caps or anything like that. This is your money in your own name. So if you have a bit of extra cash you wanna put in on a random day or you feel like it's dropped a little bit, you wanna sort of take advantage of that, you can absolutely put more money in. You don't have to tell us.\n\nAt the\n\nChannel 1: Yep.\n\nChannel 0: same time, if you want to have that conversation with me and work out whether it's a good time to buy, I'm I'm more than happy to sort of make that help you make that decision. So this investment is solely in your name that you get to add as much money or as little money as you want and have it growing for as long as you like. It is really important to note that the it is a personal investment account, and it is in your name. So it does mean that at each year at tax time, you'll get a tax statement, which will have to go to your accountant, and they'll have to account for any income or capital gains within the investment, and that'll get started to your personal tax return as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Fair enough. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: So sort of as soon as soon\n\nChannel 0: Mhmm.\n\nChannel 1: as I transfer it in there, it's, like, not as soon as I do it, but then, yeah, it sort of or does it automatically get invested into those companies then?\n\nChannel 0: Yeah. It does. So when you put the money\n\nChannel 1: Yeah.\n\nChannel 0: into there, we initiate the tell Hub 24 what investments to buy into. Normally, when the money goes in if it goes in around about their cash management time, they'll do an automatic buy and sell. But if it's outside of their normal cash management week, then we'll initiate the buy and sell. But we get notified as soon as the money hits the account so we can press go straight away and have that money invested nice and quick for you.\n\nChannel 1: Yeah. Right. Yes. Yep. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good. Not that I'm\n\nChannel 0: Oh, good.\n\nChannel 1: not that I followed too much, but now I got if I got money in there, I'll\n\nChannel 0: Yeah.\n\nChannel 1: probably be able to game every now and then or something.\n\nChannel 0: Absolutely. And you wanna make sure it's working. It's absolutely fine. And as part of your reviews, you and I'll go through your sleep, but we'll also look at your investment, look at how that's tracking, and talk about what the way the money is invested and what is happening, and we can update the advice moving forward to reflect changes that you might need to make. And you've got me here to obviously keep looking at it with you.\n\nSo to the advantage of having this sort of account, building wealth for yourself, for your future, and your kids, and, you know, down the track, if you need that extra money for something, you've always got it there growing on the side.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah. Perfect. All good. Is there anything particular you wanted me to kinda touch base on? Did you wanna just take it some time to go back and have a read through it, or what would you\n\nChannel 1: Yeah. I probably will just yeah. Maybe later tonight if I can\n\nChannel 0: yep.\n\nChannel 1: hear you. Young Angus out here crying, so I better not stay too long. But,\n\nChannel 0: No.\n\nChannel 1: yeah,\n\nChannel 0: That's\n\nChannel 1: I might just\n\nChannel 0: absolutely\n\nChannel 1: I'll have a\n\nChannel 0: fine.\n\nChannel 1: quick look for it.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, like, we sort of we sort of made this plan a while ago. So, yeah, I'm probably gonna be\n\nChannel 0: K.\n\nChannel 1: pretty happy to proceed, to be honest.\n\nChannel 0: Yeah. That's perfectly fine. I'm happy to help you out. As I said, it's really I do apologize for taking a bit longer to get this presented to you. We've had a little bit of a backlog there, but I've been working overtime to get everything knocked out.\n\nAnd I wanna make sure we're here to help you, you know, meet your goals in every area. So looking forward to, you know, whatever you decide, I'm here to support you along the way. So and part of what\n\nChannel 1: Yeah.\n\nChannel 0: I love about my job is the educational value. It's not just taking the money and investing it, but helping talk to you about what it's invested in, how it works, what we can do, and working towards your goals there as well. So yeah.\n\nChannel 1: That's that sounds good.\n\nChannel 0: Easy. All good. All good. Well, I'll let you go. You can go and look after Angus.\n\nI will you've got the documents there. Feel free to have a read through it. If you wanna talk to Erin, absolutely okay. And if you do happen to have any questions, let me know. Okay?\n\nChannel 1: Yeah. No worries. And\n\nChannel 0: Here you see.\n\nChannel 1: when I'm ready, I I can just sign sign this\n\nChannel 0: Yep.\n\nChannel 1: here now\n\nChannel 0: Yep. Yep. Just sign the document. It'll come back to me, and then we'll start by opening up the account. One of my lovely team will give you a call, get the bank details so we can organize the direct deposit into\n\nChannel 1: and\n\nChannel 0: the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yeah. Beautiful. All good. Lovely. Well, I will let you go there, Jack.\n\nI thank you so much for taking the time tonight to run through this with me. I hope you have a lovely evening. I'll let you go to, hang out with Angus, and have a good rest of your night. And you just let me know if there's anything that you need or any other questions you have. Does that sound okay?\n\nChannel 1: No. That's ugly. Thank you.\n\nChannel 0: My pleasure.\n\nChannel 1: Bye.\n\nChannel 0: You have an amazing evening. Thank you for your time.\n\nChannel 1: You too.\n\nChannel 0: Thanks.\n\nChannel 1: See you.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.029851034283638},{"text":"Jack speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.02587970532476902}],"sentiment":"neutral","sentiment_score":0.027203481644392014,"channel":1,"num_words":3,"start":0.39999998,"end":2.34},{"sentences":[{"text":"Hi, Jack.","start":2.72,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.1459193453192711},{"text":"It's Dana from Oakview Financial.","start":3.1999998,"end":4.96,"sentiment":"neutral","sentiment_score":0.1910199224948883},{"text":"How are you this afternoon?","start":4.96,"end":6.18,"sentiment":"neutral","sentiment_score":0.252996426820755}],"sentiment":"neutral","sentiment_score":0.20932670310139656,"channel":0,"num_words":12,"start":2.72,"end":6.18},{"sentences":[{"text":"I'm good.","start":6.96,"end":7.6,"sentiment":"positive","sentiment_score":0.5366888046264648},{"text":"Yourself?","start":7.6,"end":8.1,"sentiment":"positive","sentiment_score":0.37191373109817505}],"sentiment":"positive","sentiment_score":0.4817637801170349,"channel":1,"num_words":3,"start":6.96,"end":8.1},{"sentences":[{"text":"I'm very well.","start":8.4,"end":9.36,"sentiment":"positive","sentiment_score":0.6005502541859945},{"text":"Thank you.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.6578274965286255},{"text":"I had you booked in.","start":9.92,"end":10.88,"sentiment":"neutral","sentiment_score":0.3100473165512085},{"text":"I just have a bit of an updated of advice for","start":10.88,"end":13.005,"sentiment":"neutral","sentiment_score":0.1837536651979793}],"sentiment":"neutral","sentiment_score":0.31851584074043093,"channel":0,"num_words":21,"start":8.4,"end":13.005},{"sentences":[{"text":"Absolutely.","start":12.775,"end":13.275,"sentiment":"neutral","sentiment_score":0.16162240505218506}],"sentiment":"neutral","sentiment_score":0.16162240505218506,"channel":1,"num_words":1,"start":12.775,"end":13.275},{"sentences":[{"text":"the investment to sort of go through with you today.","start":13.005,"end":14.924999,"sentiment":"neutral","sentiment_score":0.20669119358062743},{"text":"Is now still a good time?","start":14.924999,"end":16.385,"sentiment":"neutral","sentiment_score":0.1889206568400065},{"text":"Fantastic.","start":18.445,"end":18.945,"sentiment":"positive","sentiment_score":0.48541730642318726},{"text":"How's your day been so far?","start":19.085,"end":20.865,"sentiment":"neutral","sentiment_score":0.2441767081618309}],"sentiment":"neutral","sentiment_score":0.2239527579234994,"channel":0,"num_words":23,"start":13.005,"end":20.865},{"sentences":[{"text":"No.","start":21.814999,"end":22.134998,"sentiment":"neutral","sentiment_score":0.06510977447032928},{"text":"It was a good day.","start":22.134998,"end":23.355,"sentiment":"neutral","sentiment_score":0.17660787999629973}],"sentiment":"neutral","sentiment_score":0.158024862408638,"channel":1,"num_words":6,"start":21.814999,"end":23.355},{"sentences":[{"text":"Yeah.","start":23.645,"end":24.125,"sentiment":"neutral","sentiment_score":0.2398310899734497}],"sentiment":"neutral","sentiment_score":0.2398310899734497,"channel":0,"num_words":1,"start":23.645,"end":24.125},{"sentences":[{"text":"They","start":23.814999,"end":24.134998,"sentiment":"positive","sentiment_score":0.3982232809066773}],"sentiment":"positive","sentiment_score":0.3982232809066773,"channel":1,"num_words":1,"start":23.814999,"end":24.134998},{"sentences":[{"text":"Fantastic.","start":24.125,"end":24.625,"sentiment":"positive","sentiment_score":0.5444574356079102}],"sentiment":"positive","sentiment_score":0.5444574356079102,"channel":0,"num_words":1,"start":24.125,"end":24.625},{"sentences":[{"text":"just parked along.","start":24.134998,"end":25.414999,"sentiment":"neutral","sentiment_score":0.29398342967033386},{"text":"Doing a bit of","start":25.414999,"end":25.974998,"sentiment":"neutral","sentiment_score":0.18180987238883972}],"sentiment":"neutral","sentiment_score":0.22988425408090865,"channel":1,"num_words":7,"start":24.134998,"end":25.974998},{"sentences":[{"text":"Oh.","start":25.939999,"end":26.439999,"sentiment":"neutral","sentiment_score":0.1790396273136139}],"sentiment":"neutral","sentiment_score":0.1790396273136139,"channel":0,"num_words":1,"start":25.939999,"end":26.439999},{"sentences":[{"text":"building.","start":25.974998,"end":26.474998,"sentiment":"neutral","sentiment_score":0.1577201634645462}],"sentiment":"neutral","sentiment_score":0.1577201634645462,"channel":1,"num_words":1,"start":25.974998,"end":26.474998},{"sentences":[{"text":"Excellent.","start":27.06,"end":27.56,"sentiment":"positive","sentiment_score":0.4697750210762024},{"text":"Excellent.","start":27.859999,"end":28.359999,"sentiment":"positive","sentiment_score":0.4952464997768402},{"text":"Just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":29.539999,"end":34.019997,"sentiment":"neutral","sentiment_score":0.1971703300421888},{"text":"Are you happy to proceed with that?","start":34.019997,"end":35.72,"sentiment":"neutral","sentiment_score":0.20818233915737697}],"sentiment":"neutral","sentiment_score":0.21806597277041403,"channel":0,"num_words":31,"start":27.06,"end":35.72},{"sentences":[{"text":"Yep.","start":36.399998,"end":36.899998,"sentiment":"neutral","sentiment_score":0.16634641587734222}],"sentiment":"neutral","sentiment_score":0.16634641587734222,"channel":1,"num_words":1,"start":36.399998,"end":36.899998},{"sentences":[{"text":"Beautiful.","start":37.3,"end":37.78,"sentiment":"positive","sentiment_score":0.3866583704948426},{"text":"And the security there with you as well, just to confirm your full name, your date of birth, and address just because we are discussing your personal information.","start":37.78,"end":44.024998,"sentiment":"neutral","sentiment_score":0.1406105011701584}],"sentiment":"neutral","sentiment_score":0.14909491045721646,"channel":0,"num_words":29,"start":37.3,"end":44.024998},{"sentences":[{"text":"Jack Russell.","start":45.325,"end":46.065,"sentiment":"neutral","sentiment_score":0.02536276262253523}],"sentiment":"neutral","sentiment_score":0.02536276262253523,"channel":1,"num_words":2,"start":45.325,"end":46.065},{"sentences":[{"text":"Yeah.","start":46.885,"end":47.385,"sentiment":"neutral","sentiment_score":0.033301278948783875}],"sentiment":"neutral","sentiment_score":0.033301278948783875,"channel":0,"num_words":1,"start":46.885,"end":47.385},{"sentences":[{"text":"'96","start":46.925,"end":49.024998,"sentiment":"neutral","sentiment_score":0.021738018840551376}],"sentiment":"neutral","sentiment_score":0.021738018840551376,"channel":1,"num_words":1,"start":46.925,"end":49.024998},{"sentences":[{"text":"Yep.","start":49.445,"end":49.945,"sentiment":"neutral","sentiment_score":0.03265443816781044}],"sentiment":"neutral","sentiment_score":0.03265443816781044,"channel":0,"num_words":1,"start":49.445,"end":49.945},{"sentences":[{"text":"and 275 Mount Sidewood Road.","start":49.645,"end":52.704998,"sentiment":"neutral","sentiment_score":0.03860008344054222}],"sentiment":"neutral","sentiment_score":0.03860008344054222,"channel":1,"num_words":5,"start":49.645,"end":52.704998},{"sentences":[{"text":"Beautiful.","start":52.98,"end":53.48,"sentiment":"positive","sentiment_score":0.3700461983680725},{"text":"Thank you so much for that.","start":53.539997,"end":55.079998,"sentiment":"positive","sentiment_score":0.49202796320120495},{"text":"Now do you happen to have access to your emails at all?","start":55.219997,"end":58.019997,"sentiment":"neutral","sentiment_score":0.11038160944978397},{"text":"Or if you don't, that's absolutely okay.","start":58.019997,"end":59.699997,"sentiment":"neutral","sentiment_score":0.08991302310356072},{"text":"I can just run through the recommendations, and then I can send the documents to you 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them.","start":66.25,"end":68.35,"sentiment":"neutral","sentiment_score":0.07602525396006447}],"sentiment":"neutral","sentiment_score":0.07602525396006447,"channel":1,"num_words":7,"start":66.25,"end":68.35},{"sentences":[{"text":"Yeah.","start":68.735,"end":68.975006,"sentiment":"neutral","sentiment_score":0.07252592593431473},{"text":"Yeah.","start":68.975006,"end":69.215004,"sentiment":"neutral","sentiment_score":0.1115165650844574},{"text":"Beautiful.","start":69.215004,"end":69.695,"sentiment":"neutral","sentiment_score":0.26382744312286377}],"sentiment":"neutral","sentiment_score":0.14928997804721197,"channel":0,"num_words":3,"start":68.735,"end":69.695},{"sentences":[{"text":"I'll","start":69.555,"end":70.055,"sentiment":"neutral","sentiment_score":0.1509605199098587}],"sentiment":"neutral","sentiment_score":0.1509605199098587,"channel":1,"num_words":1,"start":69.555,"end":70.055},{"sentences":[{"text":"Well, if you like 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it later sometimes.","start":109.61,"end":111.79,"sentiment":"neutral","sentiment_score":0.07206337228417396},{"text":"It's easier sort of when I am talking, you can see it in front of you.","start":111.93,"end":114.729996,"sentiment":"neutral","sentiment_score":0.093292216071859},{"text":"But at the same time, sometimes it's easier if I just run through the recommendations, and then you've got some time to go back and read the document and sort of, you know, decide whether you're happy to take those on or 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maybe an investment portfolio, sorry, to see how that might look and what that can do for some of your funds there to keep it invested and keep it working harder for the future.","start":127.835,"end":145.14,"sentiment":"positive","sentiment_score":0.3879540769323226},{"text":"So we have scoped in just a personal investment into this advice piece there for you.","start":146.255,"end":150.255,"sentiment":"positive","sentiment_score":0.46148653142154217},{"text":"We've gone out there and had a really good look and looked at all the different investment options, the platforms available, and how do we invest the funds essentially to look at, you know, what it can do to help you moving forward.","start":150.255,"end":160.355,"sentiment":"positive","sentiment_score":0.613418928412504},{"text":"Sorry.","start":161.16,"end":161.56,"sentiment":"neutral","sentiment_score":0.052566416561603546}],"sentiment":"positive","sentiment_score":0.47870663823860304,"channel":0,"num_words":124,"start":126.715,"end":161.56},{"sentences":[{"text":"Yep.","start":161.30501,"end":161.80501,"sentiment":"neutral","sentiment_score":0.09431132674217224}],"sentiment":"neutral","sentiment_score":0.09431132674217224,"channel":1,"num_words":1,"start":161.30501,"end":161.80501},{"sentences":[{"text":"My voice is running out a little bit today.","start":161.56,"end":163.48,"sentiment":"neutral","sentiment_score":-0.20513702597883013},{"text":"So if I pause, I do apologize.","start":163.48,"end":165.26001,"sentiment":"neutral","sentiment_score":-0.04881424190742629},{"text":"We were looking at investing and starting with $25,000 and then making a regular contribution of a $100 on a weekly basis into 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looking at it.","start":345.82,"end":346.69998,"sentiment":"neutral","sentiment_score":0.15451913326978683},{"text":"I'm looking at it now.","start":346.69998,"end":347.91998,"sentiment":"neutral","sentiment_score":0.2107507586479187}],"sentiment":"neutral","sentiment_score":0.18265605717897415,"channel":1,"num_words":10,"start":345.58,"end":347.91998},{"sentences":[{"text":"Beautiful.","start":347.49503,"end":347.99503,"sentiment":"positive","sentiment_score":0.6290144324302673},{"text":"Oh, good.","start":348.535,"end":349.27502,"sentiment":"positive","sentiment_score":0.47804586589336395},{"text":"If you're happy to I'm actually down on page number, sorry, 17 for you, which has got essentially the rundown of the recommendations and the cost involved.","start":349.73502,"end":359.59998,"sentiment":"positive","sentiment_score":0.3382962434380143}],"sentiment":"positive","sentiment_score":0.35730349123477934,"channel":0,"num_words":30,"start":347.49503,"end":359.59998},{"sentences":[{"text":"Yep.","start":361.465,"end":361.965,"sentiment":"neutral","sentiment_score":0.17210595309734344}],"sentiment":"neutral","sentiment_score":0.17210595309734344,"channel":1,"num_words":1,"start":361.465,"end":361.965},{"sentences":[{"text":"Yep.","start":362.62,"end":363.12,"sentiment":"neutral","sentiment_score":0.23849430680274963},{"text":"Perfect.","start":363.18,"end":363.68,"sentiment":"positive","sentiment_score":0.5262545347213745}],"sentiment":"positive","sentiment_score":0.3823744207620621,"channel":0,"num_words":2,"start":362.62,"end":363.68},{"sentences":[{"text":"Sure.","start":368.61002,"end":369.11002,"sentiment":"neutral","sentiment_score":0.2753814458847046},{"text":"This doesn't look like too much to me, to be honest off the top of my head.","start":375.25,"end":379.59,"sentiment":"neutral","sentiment_score":0.03535023813738542},{"text":"Oh, this is like this this is the split of where they'll be.","start":379.65,"end":382.965,"sentiment":"neutral","sentiment_score":0.024702413724018976}],"sentiment":"neutral","sentiment_score":0.03862796363330657,"channel":1,"num_words":31,"start":368.61002,"end":382.965},{"sentences":[{"text":"Yeah.","start":383.37003,"end":383.87003,"sentiment":"neutral","sentiment_score":0.03718402236700058},{"text":"So you're looking at page number six 17.","start":384.09003,"end":386.49002,"sentiment":"neutral","sentiment_score":0.030965630197897553},{"text":"Is that right?","start":386.49002,"end":387.31,"sentiment":"neutral","sentiment_score":0.0379509882380565}],"sentiment":"neutral","sentiment_score":0.033230169055362545,"channel":0,"num_words":12,"start":383.37003,"end":387.31},{"sentences":[{"text":"Wait.","start":387.605,"end":388.105,"sentiment":"neutral","sentiment_score":0.007602819707244635},{"text":"I think so.","start":388.32498,"end":389.225,"sentiment":"neutral","sentiment_score":0.012613708153367043}],"sentiment":"neutral","sentiment_score":0.01136098604183644,"channel":1,"num_words":4,"start":387.605,"end":389.225},{"sentences":[{"text":"It's the fee comparison table as the headline heading?","start":388.73,"end":391.87003,"sentiment":"neutral","sentiment_score":0.01655277382168505}],"sentiment":"neutral","sentiment_score":0.01655277382168505,"channel":0,"num_words":9,"start":388.73,"end":391.87003},{"sentences":[{"text":"Oh, yep.","start":392.165,"end":392.805,"sentiment":"neutral","sentiment_score":0.009206213522702456},{"text":"Yep.","start":392.805,"end":393.125,"sentiment":"neutral","sentiment_score":0.025637060403823853},{"text":"Yeah.","start":393.125,"end":393.285,"sentiment":"neutral","sentiment_score":0.009291816502809525},{"text":"I think I was a 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$161.","start":409.83002,"end":414.07,"sentiment":"neutral","sentiment_score":-0.009371686649198333},{"text":"That's the expected by cost sorry.","start":414.07,"end":416.07,"sentiment":"neutral","sentiment_score":-0.033127619264026485}],"sentiment":"neutral","sentiment_score":-0.011130992504250672,"channel":0,"num_words":36,"start":402.745,"end":416.07},{"sentences":[{"text":"The by cost of purchasing into the investments.","start":416.07,"end":418.25,"sentiment":"neutral","sentiment_score":-0.01888004457578063},{"text":"The same as with your super, we do have administration fees, investment fees, any other fees applicable there, and the ongoing service fee, which for the investment that as it kind of went through initially is slightly different.","start":419.48502,"end":430.765,"sentiment":"neutral","sentiment_score":0.012398129378102328},{"text":"So we just charge the one point, sorry, 1.1% on your super.","start":430.765,"end":436.36,"sentiment":"neutral","sentiment_score":0.009276883521427711},{"text":"Okay.","start":437.46,"end":437.86,"sentiment":"neutral","sentiment_score":-0.00012643355876207352},{"text":"Oh, so on your","start":437.86,"end":438.58,"sentiment":"neutral","sentiment_score":-0.03609529696404934}],"sentiment":"neutral","sentiment_score":0.004554024454028834,"channel":0,"num_words":63,"start":416.07,"end":438.58},{"sentences":[{"text":"Yeah.","start":438.385,"end":438.885,"sentiment":"neutral","sentiment_score":-0.05231177806854248}],"sentiment":"neutral","sentiment_score":-0.05231177806854248,"channel":1,"num_words":1,"start":438.385,"end":438.885},{"sentences":[{"text":"investment account I do apologize.","start":438.58,"end":439.94,"sentiment":"neutral","sentiment_score":-0.1356572225689888},{"text":"It's a super accident.","start":439.94,"end":441.0,"sentiment":"neutral","sentiment_score":-0.2624717652797699},{"text":"Essentially, that's on the super account.","start":442.1,"end":443.86,"sentiment":"neutral","sentiment_score":-0.1285656914114952},{"text":"So we do expect based on the current balance there, the ongoing service fee for the first twelve months is $313.","start":443.86,"end":450.625,"sentiment":"neutral","sentiment_score":-0.1282795018383435},{"text":"That's for us looking after the investment account alongside your super there, making sure that it is working harder for you.","start":450.765,"end":456.365,"sentiment":"neutral","sentiment_score":-0.17323221833932967}],"sentiment":"neutral","sentiment_score":-0.1549353236169146,"channel":0,"num_words":57,"start":438.58,"end":456.365},{"sentences":[{"text":"We'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there.","start":456.365,"end":464.58002,"sentiment":"neutral","sentiment_score":0.15295182125908988},{"text":"Okay?","start":464.58002,"end":465.08002,"sentiment":"neutral","sentiment_score":0.10067501664161682}],"sentiment":"neutral","sentiment_score":0.1514996877974934,"channel":0,"num_words":36,"start":456.365,"end":465.08002},{"sentences":[{"text":"Yep.","start":465.925,"end":466.425,"sentiment":"neutral","sentiment_score":0.14103788137435913}],"sentiment":"neutral","sentiment_score":0.14103788137435913,"channel":1,"num_words":1,"start":465.925,"end":466.425},{"sentences":[{"text":"Underneath that, you'll also see the contributions going in.","start":467.06,"end":469.62,"sentiment":"neutral","sentiment_score":0.08986213306585948},{"text":"So a $100 on a weekly basis just being a dollar cost average in.","start":469.62,"end":473.38,"sentiment":"neutral","sentiment_score":0.09668593268309321},{"text":"With Hub twenty four, if you wanted to be set up as a regular direct debit, they do 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averaging.","start":483.325,"end":493.02502,"sentiment":"neutral","sentiment_score":0.1133436731792785}],"sentiment":"neutral","sentiment_score":0.10339139151025792,"channel":0,"num_words":98,"start":467.06,"end":493.02502},{"sentences":[{"text":"Okay?","start":493.24503,"end":493.74503,"sentiment":"neutral","sentiment_score":0.102989561855793},{"text":"Yep.","start":495.41,"end":495.91,"sentiment":"neutral","sentiment_score":0.20271193981170657},{"text":"Perfect.","start":495.97,"end":496.47,"sentiment":"positive","sentiment_score":0.4108351469039917}],"sentiment":"neutral","sentiment_score":0.2388455495238304,"channel":0,"num_words":3,"start":493.24503,"end":496.47},{"sentences":[{"text":"Yep.","start":496.165,"end":496.665,"sentiment":"neutral","sentiment_score":0.2009120881557465}],"sentiment":"neutral","sentiment_score":0.2009120881557465,"channel":1,"num_words":1,"start":496.165,"end":496.665},{"sentences":[{"text":"Underneath that, you'll see the essentially, the balance growth investment option there.","start":497.09,"end":501.25,"sentiment":"neutral","sentiment_score":0.13778125370542207},{"text":"So it does show you the five year rolling average.","start":501.25,"end":503.25,"sentiment":"neutral","sentiment_score":0.21100293546915055},{"text":"As I mentioned, this portfolio has shown over the past five years to average about 16.55%.","start":503.25,"end":508.95,"sentiment":"neutral","sentiment_score":0.24252645298838615},{"text":"And underneath that, you'll see the projection table there as well.","start":509.625,"end":512.505,"sentiment":"neutral","sentiment_score":0.12487830966711044},{"text":"So projecting at four if the market performed the way it has over the past five years.","start":512.505,"end":516.845,"sentiment":"neutral","sentiment_score":0.1497812122106552}],"sentiment":"neutral","sentiment_score":0.17520863122560762,"channel":0,"num_words":66,"start":497.09,"end":516.845},{"sentences":[{"text":"In the next five years, by following the investment, you could end up with about 73,000.","start":516.90497,"end":522.205,"sentiment":"neutral","sentiment_score":0.13314238376915455},{"text":"If you continued on over the next ten years, it could end up with about a 160.","start":522.58496,"end":526.45996,"sentiment":"neutral","sentiment_score":0.12099627010962542},{"text":"The benefits of having the investment account is unlike super, you can be putting as much money as you want into this.","start":527.07996,"end":532.27997,"sentiment":"positive","sentiment_score":0.49709057672457263},{"text":"So if you have extra deposits you wanna put in each year or, you know, you've got a bit of extra money aside you wanted to have invested, you can make those deposits at any time.","start":532.27997,"end":541.02496,"sentiment":"positive","sentiment_score":0.41515163083871204},{"text":"There's no 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well.","start":546.865,"end":551.105,"sentiment":"positive","sentiment_score":0.33917310195309774},{"text":"Okay?","start":551.105,"end":551.605,"sentiment":"neutral","sentiment_score":0.21779364347457889}],"sentiment":"positive","sentiment_score":0.3595348882514077,"channel":0,"num_words":37,"start":542.225,"end":551.605},{"sentences":[{"text":"Yep.","start":552.345,"end":552.845,"sentiment":"positive","sentiment_score":0.3431698679924011}],"sentiment":"positive","sentiment_score":0.3431698679924011,"channel":1,"num_words":1,"start":552.345,"end":552.845},{"sentences":[{"text":"Perfect.","start":553.37,"end":553.87,"sentiment":"positive","sentiment_score":0.5582376718521118},{"text":"The next page does outline and show you essentially how the performance of the portfolio has performed over the last twelve months, three, and five years there for you.","start":554.56995,"end":562.67,"sentiment":"positive","sentiment_score":0.3783391200262925},{"text":"And if you were to scroll backwards for me, just to to page number 15, this is essentially the portfolio that will see the funds invested in and show you what it looks like and essentially the portfolio that has received the past performance.","start":563.85,"end":577.545,"sentiment":"neutral","sentiment_score":0.12005845838311044},{"text":"You can see that.","start":577.545,"end":578.505,"sentiment":"neutral","sentiment_score":0.12400259077548981},{"text":"Okay?","start":578.505,"end":579.005,"sentiment":"neutral","sentiment_score":0.07628597319126129}],"sentiment":"neutral","sentiment_score":0.22006253997170472,"channel":0,"num_words":79,"start":553.37,"end":579.005},{"sentences":[{"text":"So at the moment, you'll see you've got your liquid assets there at the very top.","start":580.75,"end":584.51,"sentiment":"neutral","sentiment_score":0.1607966967858374},{"text":"It is 25,000 to begin with.","start":584.51,"end":586.61005,"sentiment":"neutral","sentiment_score":0.1527933863302072},{"text":"With the portfolio within Hub twenty four, they will start with the cybersecurity side of things.","start":586.75,"end":591.17004,"sentiment":"neutral","sentiment_score":0.14505659136921167},{"text":"We essentially so sorry.","start":592.35004,"end":594.405,"sentiment":"neutral","sentiment_score":0.060571491718292236},{"text":"We'll see about 4% invested in the beta share cybersecurity.","start":595.60504,"end":598.74506,"sentiment":"neutral","sentiment_score":0.10380661226809025}],"sentiment":"neutral","sentiment_score":0.13636086573107883,"channel":0,"num_words":52,"start":580.75,"end":598.74506},{"sentences":[{"text":"Cybersecurity is still a great area of of growth, and it's important to have a little bit of that in your portfolio.","start":599.36505,"end":603.945,"sentiment":"positive","sentiment_score":0.3703893782062964},{"text":"You'll see some Europeans and Japanese exposure there, so giving you access to other markets.","start":604.16504,"end":608.905,"sentiment":"neutral","sentiment_score":0.28207156161467234},{"text":"The Vanguard or WorldX US, so this is giving you exposure to all the other countries by The US.","start":609.5,"end":615.36,"sentiment":"neutral","sentiment_score":0.2462090418527001},{"text":"It's giving you exposure to some well established countries, but also making sure you're getting access to some smaller countries as well.","start":615.66,"end":621.855,"sentiment":"positive","sentiment_score":0.3706011745062741},{"text":"Diversification is one of the biggest ways to mitigate long term market risk.","start":622.33496,"end":626.975,"sentiment":"neutral","sentiment_score":0.26486248064499635}],"sentiment":"neutral","sentiment_score":0.3148796662360757,"channel":0,"num_words":91,"start":599.36505,"end":626.975},{"sentences":[{"text":"So making sure you're invested in not just our country or The US or one or two countries.","start":626.975,"end":631.375,"sentiment":"neutral","sentiment_score":0.28167600971129203},{"text":"It's about making sure you're investing in all of them to take advantage of not only established markets and areas of current growth, but also market changes as well.","start":631.375,"end":640.89996,"sentiment":"positive","sentiment_score":0.41846729044256537},{"text":"So some countries will have up up and coming areas or may provide future growth.","start":640.89996,"end":646.42,"sentiment":"neutral","sentiment_score":0.2847030808528264},{"text":"So having that sort of investment is really important.","start":646.42,"end":649.0,"sentiment":"positive","sentiment_score":0.3635954608519872},{"text":"So with the Vanguard All World US sorry, ex US investment, you'll see about 7% invested in there.","start":649.06,"end":655.94495,"sentiment":"neutral","sentiment_score":0.18520950774351755}],"sentiment":"neutral","sentiment_score":0.31553254042113765,"channel":0,"num_words":89,"start":626.975,"end":655.94495},{"sentences":[{"text":"We also have the S and P 500 at at the moment and 25% to be invested in there.","start":656.485,"end":661.365,"sentiment":"neutral","sentiment_score":0.17195458592552887},{"text":"I know a lot of people are quite concerned with having investments in The US, but it is still a great place to be invested.","start":661.365,"end":667.35004,"sentiment":"neutral","sentiment_score":0.17930880904197694},{"text":"Equities are seeing a little bit of ups and downs at the moment.","start":667.97003,"end":670.61,"sentiment":"neutral","sentiment_score":-0.09573560781203784},{"text":"However, with the S and P 500, you're essentially tracking the S and P 500 index, which means you're always gonna be invested in the top 500 companies.","start":670.61,"end":679.19,"sentiment":"neutral","sentiment_score":0.25951923127286136},{"text":"One of the important things with the S and P 500 index is that the investment committee that set up the index, they essentially meet every quarter, and they look at what companies are eligible to remain in the S and P 500.","start":679.655,"end":691.995,"sentiment":"neutral","sentiment_score":0.04390317244931709}],"sentiment":"neutral","sentiment_score":0.1223411667815526,"channel":0,"num_words":128,"start":656.485,"end":691.995},{"sentences":[{"text":"If they're no longer eligible, they are removed from that, and then other companies are put into place.","start":692.01,"end":696.99,"sentiment":"neutral","sentiment_score":-0.005353979921589295},{"text":"And the S and P 500 index can encompass anywhere from 500 to 520 companies depending on who meets the criteria.","start":697.21,"end":704.35004,"sentiment":"neutral","sentiment_score":0.06037763381997744},{"text":"So it's always 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Australia and on the ASX, which is important, it's always good to have some homegrown investments.","start":719.76996,"end":728.51,"sentiment":"neutral","sentiment_score":0.2366387409067923},{"text":"And then we've also got some physical gold there as well.","start":729.20996,"end":731.705,"sentiment":"neutral","sentiment_score":0.20776359940117056},{"text":"So this is a growth investment, but gold also works very defensively.","start":731.705,"end":735.40497,"sentiment":"neutral","sentiment_score":0.21473102271556854},{"text":"So at times where your other investments or equities might not be performing as well, gold tends to do very well.","start":735.625,"end":741.385,"sentiment":"neutral","sentiment_score":0.14737352764322645},{"text":"Gold has seen lovely growth in the past this year, and it's also seeing some great growth just in the last week there as well.","start":741.385,"end":747.75,"sentiment":"positive","sentiment_score":0.5543257415294647}],"sentiment":"neutral","sentiment_score":0.29150960452854635,"channel":0,"num_words":100,"start":719.76996,"end":747.75},{"sentences":[{"text":"So it's always good to have a bit of physical gold there.","start":747.75,"end":750.79004,"sentiment":"positive","sentiment_score":0.4168231238921483},{"text":"And the Global x Physical Gold investment is physical gold.","start":750.79004,"end":754.07,"sentiment":"neutral","sentiment_score":0.1941033348441124},{"text":"It's called Bullion, and it's held in the JPMorgan Chase Bank in The UK.","start":754.07,"end":760.01,"sentiment":"neutral","sentiment_score":0.12589995616248675},{"text":"Okay?","start":760.425,"end":760.925,"sentiment":"neutral","sentiment_score":0.12221778929233552}],"sentiment":"neutral","sentiment_score":0.23858724353281227,"channel":0,"num_words":37,"start":747.75,"end":760.925},{"sentences":[{"text":"Yep.","start":761.59,"end":762.09,"sentiment":"neutral","sentiment_score":0.14078332483768463}],"sentiment":"neutral","sentiment_score":0.14078332483768463,"channel":1,"num_words":1,"start":761.59,"end":762.09},{"sentences":[{"text":"Underneath that, we do have your defensive investments as well.","start":762.425,"end":765.145,"sentiment":"neutral","sentiment_score":0.14072080180048943},{"text":"So we've got the core composite bonds that are giving you exposure to income producing assets, like government and corporate bonds, and also the beta shares bank hybrids, which you do also hold in your super fund at the moment as well.","start":765.145,"end":777.15,"sentiment":"neutral","sentiment_score":0.1929540689147654},{"text":"Essentially, bank hybrids are, again, more of a defensive investment.","start":777.61,"end":780.75,"sentiment":"neutral","sentiment_score":0.16263535395264625},{"text":"They work in sort of two ways.","start":781.13,"end":782.73,"sentiment":"neutral","sentiment_score":0.20193578515733993},{"text":"So they do provide income a bit like bonds and 10 deposits do, but it also can be traded, and they tend to be sorry.","start":782.73,"end":790.08496,"sentiment":"neutral","sentiment_score":0.12044313535094262}],"sentiment":"neutral","sentiment_score":0.165555971615175,"channel":0,"num_words":94,"start":762.425,"end":790.08496},{"sentences":[{"text":"Also, provide growth there as well.","start":790.225,"end":791.985,"sentiment":"neutral","sentiment_score":0.11610180884599686},{"text":"I do apologize.","start":791.985,"end":792.70496,"sentiment":"neutral","sentiment_score":-0.1002312737206618},{"text":"I'm losing my voice a little bit.","start":792.70496,"end":793.82495,"sentiment":"negative","sentiment_score":-0.3755039232117789},{"text":"So sorry.","start":793.82495,"end":794.56494,"sentiment":"neutral","sentiment_score":-0.13951097428798676},{"text":"So bank hybrids are very defensive in nature.","start":795.82495,"end":798.625,"sentiment":"neutral","sentiment_score":0.14577301312237978}],"sentiment":"neutral","sentiment_score":-0.05174801054482277,"channel":0,"num_words":26,"start":790.225,"end":798.625},{"sentences":[{"text":"They are relatively low cost as well, and they tend to be very good for income producing.","start":798.625,"end":803.21,"sentiment":"positive","sentiment_score":0.4787098642657785},{"text":"So one of the things we wanna see out of the portfolio is not only growth, but we wanna make sure your portfolio is generating incomes by way of dividends and coupon payments and interest payments out of the investments.","start":803.21,"end":812.91,"sentiment":"positive","sentiment_score":0.3931406572461128},{"text":"So that gets reinvested back into your fund and helps to keep growing along with your regular dollar cost averaging into the investment.","start":813.13,"end":820.885,"sentiment":"positive","sentiment_score":0.5667676498060641},{"text":"Does that all make sense so far?","start":821.025,"end":822.565,"sentiment":"neutral","sentiment_score":0.2785508313349315}],"sentiment":"positive","sentiment_score":0.44654259479593955,"channel":0,"num_words":87,"start":798.625,"end":822.565},{"sentences":[{"text":"Pretty well.","start":823.92,"end":824.64,"sentiment":"positive","sentiment_score":0.4440360963344574},{"text":"Yep.","start":824.64,"end":825.14,"sentiment":"neutral","sentiment_score":0.2811172306537628}],"sentiment":"positive","sentiment_score":0.3897298077742259,"channel":1,"num_words":3,"start":823.92,"end":825.14},{"sentences":[{"text":"Yeah.","start":825.185,"end":825.685,"sentiment":"neutral","sentiment_score":0.3094604015350342}],"sentiment":"neutral","sentiment_score":0.3094604015350342,"channel":0,"num_words":1,"start":825.185,"end":825.685},{"sentences":[{"text":"To","start":825.2,"end":825.7,"sentiment":"positive","sentiment_score":0.33832892775535583}],"sentiment":"positive","sentiment_score":0.33832892775535583,"channel":1,"num_words":1,"start":825.2,"end":825.7},{"sentences":[{"text":"Beautiful.","start":825.90497,"end":826.40497,"sentiment":"positive","sentiment_score":0.5467038154602051}],"sentiment":"positive","sentiment_score":0.5467038154602051,"channel":0,"num_words":1,"start":825.90497,"end":826.40497},{"sentences":[{"text":"for","start":825.985,"end":826.485,"sentiment":"neutral","sentiment_score":0.18756985664367676}],"sentiment":"neutral","sentiment_score":0.18756985664367676,"channel":1,"num_words":1,"start":825.985,"end":826.485},{"sentences":[{"text":"Do you have that's okay.","start":826.625,"end":828.56,"sentiment":"neutral","sentiment_score":0.18602096140384675},{"text":"Do you have","start":828.56,"end":829.12,"sentiment":"neutral","sentiment_score":0.09529085954030354}],"sentiment":"neutral","sentiment_score":0.15199717320501804,"channel":0,"num_words":8,"start":826.625,"end":829.12},{"sentences":[{"text":"for","start":829.105,"end":829.605,"sentiment":"neutral","sentiment_score":0.10053888708353044}],"sentiment":"neutral","sentiment_score":0.10053888708353044,"channel":1,"num_words":1,"start":829.105,"end":829.605},{"sentences":[{"text":"questions?","start":829.12,"end":829.60004,"sentiment":"neutral","sentiment_score":0.10271255671977995},{"text":"You're welcome to ask me anything you like.","start":829.60004,"end":831.84,"sentiment":"neutral","sentiment_score":0.276214811950922},{"text":"If 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free","start":832.32,"end":835.44,"sentiment":"neutral","sentiment_score":0.12511302817326325}],"sentiment":"neutral","sentiment_score":0.12511302817326325,"channel":0,"num_words":13,"start":832.32,"end":835.44},{"sentences":[{"text":"newbie.","start":835.34503,"end":835.84503,"sentiment":"neutral","sentiment_score":0.1666350215673447}],"sentiment":"neutral","sentiment_score":0.1666350215673447,"channel":1,"num_words":1,"start":835.34503,"end":835.84503},{"sentences":[{"text":"to let me know there, Jack.","start":835.44,"end":836.4,"sentiment":"neutral","sentiment_score":0.10457044343153636},{"text":"That's what you have me here 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honest.","start":841.55,"end":842.99,"sentiment":"neutral","sentiment_score":-0.02404570600224866},{"text":"So","start":842.99,"end":843.49,"sentiment":"neutral","sentiment_score":0.07765498757362366}],"sentiment":"neutral","sentiment_score":-0.02016936329503854,"channel":1,"num_words":15,"start":838.465,"end":843.49},{"sentences":[{"text":"Yep.","start":843.375,"end":843.875,"sentiment":"neutral","sentiment_score":0.19222643971443176},{"text":"Perfect.","start":843.935,"end":844.435,"sentiment":"positive","sentiment_score":0.3549974262714386}],"sentiment":"neutral","sentiment_score":0.2736119329929352,"channel":0,"num_words":2,"start":843.375,"end":844.435},{"sentences":[{"text":"and, yeah, I just I guess one thing I was just thinking it was the 1.1 commission.","start":845.14996,"end":850.44995,"sentiment":"neutral","sentiment_score":0.08556618081296191},{"text":"That's on how much you're making, Not on the total of the portfolio?","start":850.50995,"end":855.875,"sentiment":"neutral","sentiment_score":0.002938946422476035}],"sentiment":"neutral","sentiment_score":0.049761045910418036,"channel":1,"num_words":30,"start":845.14996,"end":855.875},{"sentences":[{"text":"So the ongoing, sorry, the ongoing fee of 1.1%, that is based on the balance in the portfolio.","start":857.07,"end":863.81,"sentiment":"neutral","sentiment_score":0.02239856796546115},{"text":"But, essentially, the idea of percentage based fee is the same as your super ongoing service fee is that it fluctuates with the market.","start":864.35,"end":871.09503,"sentiment":"neutral","sentiment_score":0.07755146827548742},{"text":"So, essentially, having having a look at the way the market is performing, if the market is doing really well, if your investment portfolio is getting higher returns, then it means that we're gonna obviously make more money as well.","start":871.09503,"end":883.5,"sentiment":"neutral","sentiment_score":0.17336606848984956},{"text":"However, if","start":883.5,"end":884.54004,"sentiment":"neutral","sentiment_score":-0.054561322554945946}],"sentiment":"neutral","sentiment_score":0.10821344710088202,"channel":0,"num_words":84,"start":857.07,"end":884.54004},{"sentences":[{"text":"Yes.","start":884.515,"end":885.015,"sentiment":"neutral","sentiment_score":-0.07845533639192581}],"sentiment":"neutral","sentiment_score":-0.07845533639192581,"channel":1,"num_words":1,"start":884.515,"end":885.015},{"sentences":[{"text":"the market does take a bit of a dip, it means that the ongoing sales, say, takes a bit of a dip there with it as well.","start":884.54004,"end":889.98004,"sentiment":"neutral","sentiment_score":-0.18078213267856175},{"text":"So whilst there isn't a balance of the portfolio, we don't really have a way of just structuring it, so it comes out of only the 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questions.","start":940.335,"end":941.395,"sentiment":"neutral","sentiment_score":0.01627982407808304},{"text":"Just, I suppose,","start":941.455,"end":942.41504,"sentiment":"neutral","sentiment_score":0.07923051218191783}],"sentiment":"neutral","sentiment_score":0.04272606084123254,"channel":1,"num_words":8,"start":940.015,"end":942.41504},{"sentences":[{"text":"yeah.","start":942.14996,"end":942.64996,"sentiment":"neutral","sentiment_score":0.0872417688369751}],"sentiment":"neutral","sentiment_score":0.0872417688369751,"channel":0,"num_words":1,"start":942.14996,"end":942.64996},{"sentences":[{"text":"like, if I download the Hub 24 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the investment, we'll absolutely do so.","start":967.25,"end":973.91003,"sentiment":"positive","sentiment_score":0.45790976643562314},{"text":"Having them both in the same platform means you'd be able to see them both on the same app, which is a benefit there for you, but also just making sure that you're aware that the money is invested in the market.","start":974.21,"end":984.33496,"sentiment":"positive","sentiment_score":0.3539462098408313}],"sentiment":"positive","sentiment_score":0.3617306128144264,"channel":0,"num_words":95,"start":960.725,"end":984.33496},{"sentences":[{"text":"The markets do react differently, and we're seeing a bit of volatility at the moment.","start":984.33496,"end":989.21497,"sentiment":"neutral","sentiment_score":0.05169815147916476},{"text":"So markets can go up and down there.","start":989.21497,"end":991.135,"sentiment":"neutral","sentiment_score":0.07525154761970043},{"text":"But, yeah, you'll be able to see everything in the one place to make it nice 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definitely do not try to time the market in any way, shape, or form.","start":1015.395,"end":1020.05,"sentiment":"neutral","sentiment_score":-0.07274013345963076},{"text":"It's about just making sure that we understand that buying in and continuously dollar cost averaging is generally the best way to go.","start":1020.05,"end":1027.03,"sentiment":"neutral","sentiment_score":0.17316918399022974},{"text":"I can't tell when the top of the bottom of the market is, so I just don't don't try.","start":1027.25,"end":1031.0449,"sentiment":"neutral","sentiment_score":-0.22563820920492472}],"sentiment":"neutral","sentiment_score":-0.04876149548352628,"channel":0,"num_words":69,"start":1012.675,"end":1031.0449},{"sentences":[{"text":"Most people who try to pick the bottom top of the bottom tend to miss it.","start":1031.105,"end":1034.3049,"sentiment":"neutral","sentiment_score":-0.26165400445461273},{"text":"And if you miss it by a few days, you miss out on a lot of 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know, reduced your buy price a little bit, gained from a little bit more growth there as well.","start":1057.19,"end":1065.6951,"sentiment":"neutral","sentiment_score":0.2906950890056549},{"text":"And the other buy a few more units of those investments, the best way to sort of look at it is if you own, say, CBA, sorry, and you bought that for, say, $50 per share, the next day it went up to, say, a $100 per share, you've made a 50% gain on that one.","start":1065.6951,"end":1081.07,"sentiment":"neutral","sentiment_score":0.16531364699559553},{"text":"If it then the next day went down to $20 per share and you invested another $100 in, you're buying in at $20.","start":1081.13,"end":1088.015,"sentiment":"neutral","sentiment_score":0.17029638944760614},{"text":"So you end up buying more units to that investment than you would have initially with the same $100.","start":1088.015,"end":1093.315,"sentiment":"neutral","sentiment_score":0.29518531419728933},{"text":"And then the next day, it goes back up to a $100, and you own more units to that investment, and it's made more money for you.","start":1093.375,"end":1098.975,"sentiment":"positive","sentiment_score":0.3691238269761757}],"sentiment":"neutral","sentiment_score":0.24205636696364635,"channel":0,"num_words":156,"start":1057.19,"end":1098.975},{"sentences":[{"text":"And you bought in at the dip without having to time the the market, essentially.","start":1098.975,"end":1103.03,"sentiment":"neutral","sentiment_score":0.3041857659816742},{"text":"So","start":1103.17,"end":1103.67,"sentiment":"neutral","sentiment_score":0.13433478772640228}],"sentiment":"neutral","sentiment_score":0.2935700798407197,"channel":0,"num_words":16,"start":1098.975,"end":1103.67},{"sentences":[{"text":"Yeah.","start":1104.63,"end":1105.13,"sentiment":"neutral","sentiment_score":0.0022037073504179716}],"sentiment":"neutral","sentiment_score":0.0022037073504179716,"channel":1,"num_words":1,"start":1104.63,"end":1105.13},{"sentences":[{"text":"that's essentially how it works, and that's how we try to take advantage of these sorts of market conditions.","start":1104.77,"end":1109.27,"sentiment":"positive","sentiment_score":0.3816682727713334},{"text":"Does that make 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times when, like, you look at the you probably look at it and go, this is an obvious one to buy.","start":1114.8251,"end":1123.245,"sentiment":"neutral","sentiment_score":0.18214876435953994}],"sentiment":"neutral","sentiment_score":0.18214876435953994,"channel":1,"num_words":29,"start":1114.8251,"end":1123.245},{"sentences":[{"text":"Mhmm.","start":1123.6749,"end":1124.1749,"sentiment":"neutral","sentiment_score":0.1428488940000534},{"text":"Yep.","start":1124.715,"end":1125.215,"sentiment":"neutral","sentiment_score":0.1934095323085785}],"sentiment":"neutral","sentiment_score":0.16812921315431595,"channel":0,"num_words":2,"start":1123.6749,"end":1125.215},{"sentences":[{"text":"And, like, if I was looking at it and thinking the same thing and I put more money into my hub 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make.","start":1257.065,"end":1270.56,"sentiment":"neutral","sentiment_score":0.31155047778572353},{"text":"And you've got me here to obviously keep looking at it with you.","start":1270.8,"end":1273.4401,"sentiment":"positive","sentiment_score":0.49798476237517136}],"sentiment":"positive","sentiment_score":0.3651967905461788,"channel":0,"num_words":80,"start":1253.5449,"end":1273.4401},{"sentences":[{"text":"So to the advantage of having this sort of account, building wealth for yourself, for your future, and your kids, and, you know, down the track, if you need that extra money for something, you've always got it there growing on the 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like, we sort of we sort of made this plan a while ago.","start":1311.275,"end":1314.9401,"sentiment":"neutral","sentiment_score":0.05941723684469859},{"text":"So, yeah, I'm probably gonna be","start":1314.9401,"end":1317.34,"sentiment":"neutral","sentiment_score":0.11871939028302829}],"sentiment":"neutral","sentiment_score":0.07636070925564993,"channel":1,"num_words":21,"start":1311.275,"end":1317.34},{"sentences":[{"text":"K.","start":1317.1699,"end":1317.6699,"sentiment":"neutral","sentiment_score":0.07908886671066284}],"sentiment":"neutral","sentiment_score":0.07908886671066284,"channel":0,"num_words":1,"start":1317.1699,"end":1317.6699},{"sentences":[{"text":"pretty happy to proceed, to be honest.","start":1317.34,"end":1319.04,"sentiment":"neutral","sentiment_score":0.2594079460416521}],"sentiment":"neutral","sentiment_score":0.2594079460416521,"channel":1,"num_words":7,"start":1317.34,"end":1319.04},{"sentences":[{"text":"Yeah.","start":1319.33,"end":1319.73,"sentiment":"neutral","sentiment_score":0.2875760495662689},{"text":"That's perfectly fine.","start":1319.73,"end":1320.9299,"sentiment":"positive","sentiment_score":0.5266353984673818},{"text":"I'm happy to help you out.","start":1320.9299,"end":1322.21,"sentiment":"positive","sentiment_score":0.8041883011658987},{"text":"As I said, it's really I do apologize for taking a bit longer to get this presented to you.","start":1322.21,"end":1326.125,"sentiment":"neutral","sentiment_score":0.006114019571166289},{"text":"We've had a little bit of a backlog there, but I've been working overtime to get everything knocked out.","start":1326.125,"end":1330.545,"sentiment":"neutral","sentiment_score":-0.002615620627215034}],"sentiment":"neutral","sentiment_score":0.14081420066456,"channel":0,"num_words":48,"start":1319.33,"end":1330.545},{"sentences":[{"text":"And I wanna make sure we're here to help you, you know, meet your goals in every area.","start":1330.765,"end":1334.925,"sentiment":"positive","sentiment_score":0.44052738034062916},{"text":"So looking forward to, you know, whatever you decide, I'm here to support you along the way.","start":1334.925,"end":1339.005,"sentiment":"positive","sentiment_score":0.48000719266779285},{"text":"So and part of what","start":1339.005,"end":1340.34,"sentiment":"neutral","sentiment_score":0.09261835813522339}],"sentiment":"positive","sentiment_score":0.413817672803998,"channel":0,"num_words":40,"start":1330.765,"end":1340.34},{"sentences":[{"text":"Yeah.","start":1340.2799,"end":1340.7799,"sentiment":"neutral","sentiment_score":0.2254370152950287}],"sentiment":"neutral","sentiment_score":0.2254370152950287,"channel":1,"num_words":1,"start":1340.2799,"end":1340.7799},{"sentences":[{"text":"I love about my job is the educational value.","start":1340.34,"end":1342.58,"sentiment":"positive","sentiment_score":0.6094530820846558},{"text":"It's not just taking the money and investing it, but helping talk to you about what it's invested in, how it works, what we can do, and working towards your goals there as well.","start":1342.58,"end":1351.14,"sentiment":"positive","sentiment_score":0.4842293876058915},{"text":"So yeah.","start":1351.14,"end":1352.28,"sentiment":"neutral","sentiment_score":0.33133330941200256}],"sentiment":"positive","sentiment_score":0.5024787452485826,"channel":0,"num_words":45,"start":1340.34,"end":1352.28},{"sentences":[{"text":"That's that sounds good.","start":1353.675,"end":1355.375,"sentiment":"positive","sentiment_score":0.5757419168949127}],"sentiment":"positive","sentiment_score":0.5757419168949127,"channel":1,"num_words":4,"start":1353.675,"end":1355.375},{"sentences":[{"text":"Easy.","start":1355.635,"end":1356.135,"sentiment":"positive","sentiment_score":0.5540822148323059},{"text":"All good.","start":1356.355,"end":1357.255,"sentiment":"positive","sentiment_score":0.5466902852058411},{"text":"All good.","start":1357.315,"end":1357.715,"sentiment":"positive","sentiment_score":0.45991310477256775},{"text":"Well, I'll let you go.","start":1357.715,"end":1358.755,"sentiment":"neutral","sentiment_score":0.14606632590293883},{"text":"You can go and look after Angus.","start":1358.755,"end":1361.335,"sentiment":"neutral","sentiment_score":0.12862827203103475}],"sentiment":"neutral","sentiment_score":0.24694226638359182,"channel":0,"num_words":17,"start":1355.635,"end":1361.335},{"sentences":[{"text":"I will you've got the documents there.","start":1361.5549,"end":1363.395,"sentiment":"neutral","sentiment_score":0.13124798238277435},{"text":"Feel free to have a read through it.","start":1363.395,"end":1364.515,"sentiment":"neutral","sentiment_score":0.18892633728682995},{"text":"If you wanna talk to Erin, absolutely okay.","start":1364.515,"end":1366.535,"sentiment":"neutral","sentiment_score":0.2380193956196308},{"text":"And if you do happen to have any questions, let me know.","start":1366.7201,"end":1369.3,"sentiment":"neutral","sentiment_score":0.14699540100991726},{"text":"Okay?","start":1369.4401,"end":1369.9401,"sentiment":"neutral","sentiment_score":0.0864233747124672}],"sentiment":"neutral","sentiment_score":0.17179638685451615,"channel":0,"num_words":36,"start":1361.5549,"end":1369.9401},{"sentences":[{"text":"Yeah.","start":1371.0,"end":1371.4,"sentiment":"neutral","sentiment_score":0.0917695090174675},{"text":"No worries.","start":1371.4,"end":1372.2201,"sentiment":"neutral","sentiment_score":0.10826975479722023},{"text":"And","start":1372.6001,"end":1373.1001,"sentiment":"neutral","sentiment_score":0.09363605827093124}],"sentiment":"neutral","sentiment_score":0.1004862692207098,"channel":1,"num_words":4,"start":1371.0,"end":1373.1001},{"sentences":[{"text":"Here you see.","start":1372.7201,"end":1373.6201,"sentiment":"neutral","sentiment_score":0.08747509618600209}],"sentiment":"neutral","sentiment_score":0.08747509618600209,"channel":0,"num_words":3,"start":1372.7201,"end":1373.6201},{"sentences":[{"text":"when I'm ready, I I can just sign sign this","start":1373.16,"end":1376.76,"sentiment":"neutral","sentiment_score":0.09280596747994423}],"sentiment":"neutral","sentiment_score":0.09280596747994423,"channel":1,"num_words":10,"start":1373.16,"end":1376.76},{"sentences":[{"text":"Yep.","start":1376.4801,"end":1376.9801,"sentiment":"neutral","sentiment_score":0.08169383555650711}],"sentiment":"neutral","sentiment_score":0.08169383555650711,"channel":0,"num_words":1,"start":1376.4801,"end":1376.9801},{"sentences":[{"text":"here now","start":1376.76,"end":1377.375,"sentiment":"neutral","sentiment_score":0.08356897160410881}],"sentiment":"neutral","sentiment_score":0.08356897160410881,"channel":1,"num_words":2,"start":1376.76,"end":1377.375},{"sentences":[{"text":"Yep.","start":1377.76,"end":1378.0,"sentiment":"neutral","sentiment_score":0.08406813442707062},{"text":"Yep.","start":1378.0,"end":1378.3201,"sentiment":"neutral","sentiment_score":0.09691618382930756},{"text":"Just sign the document.","start":1378.3201,"end":1379.3601,"sentiment":"neutral","sentiment_score":0.0995421502739191},{"text":"It'll come back to me, and then we'll start by opening up the account.","start":1379.3601,"end":1382.865,"sentiment":"neutral","sentiment_score":0.12518818942563875},{"text":"One of my lovely team will give you a call, get the bank details so we can organize the direct deposit into","start":1383.165,"end":1387.9651,"sentiment":"neutral","sentiment_score":0.21975916624069214}],"sentiment":"neutral","sentiment_score":0.1706306959191958,"channel":0,"num_words":42,"start":1377.76,"end":1387.9651},{"sentences":[{"text":"and","start":1387.775,"end":1388.275,"sentiment":"neutral","sentiment_score":0.21511606872081757}],"sentiment":"neutral","sentiment_score":0.21511606872081757,"channel":1,"num_words":1,"start":1387.775,"end":1388.275},{"sentences":[{"text":"the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you.","start":1387.9651,"end":1400.1901,"sentiment":"neutral","sentiment_score":0.2393248399098714}],"sentiment":"neutral","sentiment_score":0.2393248399098714,"channel":0,"num_words":45,"start":1387.9651,"end":1400.1901},{"sentences":[{"text":"Yeah.","start":1400.83,"end":1401.33,"sentiment":"neutral","sentiment_score":0.26743096113204956},{"text":"That sounds good.","start":1401.39,"end":1402.53,"sentiment":"positive","sentiment_score":0.5024174253145853}],"sentiment":"positive","sentiment_score":0.4436708092689514,"channel":1,"num_words":4,"start":1400.83,"end":1402.53},{"sentences":[{"text":"Yeah.","start":1402.0901,"end":1402.5901,"sentiment":"positive","sentiment_score":0.38982343673706055},{"text":"Beautiful.","start":1403.05,"end":1403.55,"sentiment":"positive","sentiment_score":0.4272186756134033},{"text":"All good.","start":1404.25,"end":1404.9901,"sentiment":"positive","sentiment_score":0.7714073956012726},{"text":"Lovely.","start":1406.9701,"end":1407.4701,"sentiment":"positive","sentiment_score":0.7969057559967041},{"text":"Well, I will let you go there, Jack.","start":1407.6901,"end":1409.6901,"sentiment":"positive","sentiment_score":0.5481857880949974}],"sentiment":"positive","sentiment_score":0.5801729972545917,"channel":0,"num_words":13,"start":1402.0901,"end":1409.6901},{"sentences":[{"text":"I thank you so much for taking the time tonight to run through this with me.","start":1409.6901,"end":1413.145,"sentiment":"positive","sentiment_score":0.8348005823791027},{"text":"I hope you have a lovely evening.","start":1413.145,"end":1414.745,"sentiment":"positive","sentiment_score":0.7978552154132298},{"text":"I'll let you go to, hang out with Angus, and have a good rest of your night.","start":1414.745,"end":1418.0249,"sentiment":"positive","sentiment_score":0.656917880563175},{"text":"And you just let me know if there's anything that you need or any other questions you have.","start":1418.0249,"end":1421.225,"sentiment":"positive","sentiment_score":0.385235243373447},{"text":"Does that sound okay?","start":1421.225,"end":1422.2849,"sentiment":"neutral","sentiment_score":0.1697855331003666}],"sentiment":"positive","sentiment_score":0.6084318759460603,"channel":0,"num_words":62,"start":1409.6901,"end":1422.2849},{"sentences":[{"text":"No.","start":1422.74,"end":1422.98,"sentiment":"negative","sentiment_score":-0.3469553589820862},{"text":"That's ugly.","start":1422.98,"end":1424.12,"sentiment":"negative","sentiment_score":-0.4525258094072342},{"text":"Thank you.","start":1424.26,"end":1425.0801,"sentiment":"positive","sentiment_score":0.36836281418800354}],"sentiment":"neutral","sentiment_score":-0.1030562698841095,"channel":1,"num_words":5,"start":1422.74,"end":1425.0801},{"sentences":[{"text":"My pleasure.","start":1425.7999,"end":1426.44,"sentiment":"positive","sentiment_score":0.6266751289367676}],"sentiment":"positive","sentiment_score":0.6266751289367676,"channel":0,"num_words":2,"start":1425.7999,"end":1426.44},{"sentences":[{"text":"Bye.","start":1426.3401,"end":1426.8401,"sentiment":"positive","sentiment_score":0.433537095785141}],"sentiment":"positive","sentiment_score":0.433537095785141,"channel":1,"num_words":1,"start":1426.3401,"end":1426.8401},{"sentences":[{"text":"You have an amazing evening.","start":1426.44,"end":1428.22,"sentiment":"positive","sentiment_score":0.7690263748168945},{"text":"Thank you for your time.","start":1428.36,"end":1429.66,"sentiment":"positive","sentiment_score":0.7917299509048462}],"sentiment":"positive","sentiment_score":0.7803781628608704,"channel":0,"num_words":10,"start":1426.44,"end":1429.66},{"sentences":[{"text":"You too.","start":1430.18,"end":1430.8401,"sentiment":"positive","sentiment_score":0.5187989771366119}],"sentiment":"positive","sentiment_score":0.5187989771366119,"channel":1,"num_words":2,"start":1430.18,"end":1430.8401},{"sentences":[{"text":"Thanks.","start":1431.16,"end":1431.66,"sentiment":"positive","sentiment_score":0.6185656785964966}],"sentiment":"positive","sentiment_score":0.6185656785964966,"channel":0,"num_words":1,"start":1431.16,"end":1431.66},{"sentences":[{"text":"See you.","start":1431.3,"end":1432.04,"sentiment":"positive","sentiment_score":0.46752163767814636}],"sentiment":"positive","sentiment_score":0.46752163767814636,"channel":1,"num_words":2,"start":1431.3,"end":1432.04},{"sentences":[{"text":"See you later.","start":1431.72,"end":1432.52,"sentiment":"positive","sentiment_score":0.3852277894814809},{"text":"Bye.","start":1432.52,"end":1433.02,"sentiment":"neutral","sentiment_score":-0.11123209446668623}],"sentiment":"neutral","sentiment_score":0.2611128184944391,"channel":0,"num_words":4,"start":1431.72,"end":1433.02}]},"summary":{"result":"success","short":"The representative from Oakview Financial recommends adding $100 to Jack's investment portfolio and emphasizes the importance of projecting returns based on past performance. They also discuss fees and the use of physical gold for investment and maintaining liquid assets. The speaker emphasizes the benefits of investing in all markets and the importance of diversifying investments. They stress the importance of maintaining liquid assets and investing in all markets to mitigate risk, as well as the importance of generating incomes through dividends and coupon payments and interest payments. The speaker emphasizes the importance of building wealth for themselves, future generations, and their children and offers to assist with their investment and provide information on accessing their account."},"intents":{"segments":[{"text":"I had you booked in. I just have a bit of an updated of advice for Absolutely. the investment to sort of go through with you today. Is now still a good time? Fantastic.","start_word":23,"end_word":56,"intents":[{"intent":"Check availability","confidence_score":0.017031305}]},{"text":"I just have a bit of an updated of advice for Absolutely. the investment to sort of go through with you today. Is now still a good time? Fantastic.","start_word":28,"end_word":56,"intents":[{"intent":"Provide advice","confidence_score":0.10387111}]},{"text":"And the security there with you as well, just to confirm your full name, your date of birth, and address just because we are discussing your personal information. Jack Russell.","start_word":114,"end_word":143,"intents":[{"intent":"Confirm information","confidence_score":0.075486615},{"intent":"Share personal information","confidence_score":0.00012889244}]},{"text":"Thank you so much for that. Now do you happen to have access to your emails at all? Or if you don't, that's absolutely okay. I can just run through the recommendations, and then I can send the documents to you after. It's up to you. I can go get access to them. Yeah.","start_word":153,"end_word":206,"intents":[{"intent":"Inquire about access and email","confidence_score":0.000070719936}]},{"text":"I can just run through the recommendations, and then I can send the documents to you after. It's up to you. I can go get access to them. Yeah.","start_word":178,"end_word":206,"intents":[{"intent":"Ask about running through recommendations","confidence_score":0.0031305938}]},{"text":"If you wanna start, that'll be Yeah. good.","start_word":296,"end_word":303,"intents":[{"intent":"Ask for a start time","confidence_score":0.00044172828}]},{"text":"If the market was to sorta continue providing that way by making this regular contribution over the next sort of five to ten years, you could see that money grow upwards of about $70,000 over the next ten years upwards to about $160,000. That is depending upon market reactions at the same time. Okay?","start_word":708,"end_word":761,"intents":[{"intent":"Update market performance","confidence_score":0.00044238017}]},{"text":"If you click on that, it takes you through so you can see the statement of advice. Yeah.","start_word":1067,"end_word":1084,"intents":[{"intent":"See statement of advice","confidence_score":0.033903677}]},{"text":"If you're happy to I'm actually down on page number, sorry, 17 for you, which has got essentially the rundown of the recommendations and the cost involved. Yep.","start_word":1134,"end_word":1161,"intents":[{"intent":"Look at chart","confidence_score":0.0053248405}]},{"text":"It's the fee comparison table as the headline heading?","start_word":1211,"end_word":1219,"intents":[{"intent":"Understand fee comparison","confidence_score":0.09590963}]},{"text":"So you'll see that the current is showing the cash holding at the moment of the 20 Yep. $5,000.","start_word":1235,"end_word":1253,"intents":[{"intent":"Clarify current balance and interest rate","confidence_score":0.0000012558752}]},{"text":"The same as with your super, we do have administration fees, investment fees, any other fees applicable there, and the ongoing service fee, which for the investment that as it kind of went through initially is slightly different. So we just charge the one point, sorry, 1.1% on your super. Okay.","start_word":1297,"end_word":1347,"intents":[{"intent":"Discuss investment account and super fee fee","confidence_score":3.016432e-7}]},{"text":"It's a super accident. Essentially, that's on the super account. So we do expect based on the current balance there, the ongoing service fee for the first twelve months is $313. That's for us looking after the investment account alongside your super there, making sure that it is working harder for you.","start_word":1358,"end_word":1409,"intents":[{"intent":"Apologize for super accident","confidence_score":0.007442017}]},{"text":"We'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there. Okay?","start_word":1411,"end_word":1446,"intents":[{"intent":"Review investments","confidence_score":0.050817825},{"intent":"Make changes to portfolio","confidence_score":0.055846583}]},{"text":"We'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there. Okay? Yep.","start_word":1411,"end_word":1447,"intents":[{"intent":"Review investment portfolio","confidence_score":0.0060126656}]},{"text":"So a $100 on a weekly basis just being a dollar cost average in.","start_word":1456,"end_word":1469,"intents":[{"intent":"Provide price average","confidence_score":0.000018348372}]},{"text":"With Hub twenty four, if you wanted to be set up as a regular direct debit, they do direct debits once a month. So it'd be about $400 on a monthly basis coming out as a lump sum. Alternatively, you can set it up as, like, a BPay transaction from your from your net banking account, and you can do it on a weekly basis if you want it to be true dollar cost averaging. Okay?","start_word":1470,"end_word":1545,"intents":[{"intent":"Set up direct debit","confidence_score":0.5428446},{"intent":"Set up monthly direct debit","confidence_score":0.044348367}]},{"text":"And underneath that, you'll see the projection table there as well.","start_word":1587,"end_word":1597,"intents":[{"intent":"Provide projection table","confidence_score":0.25885668},{"intent":"Provide projection table","confidence_score":0.12934752}]},{"text":"So if you need the money back at any point, we can always draw the funds out for you as well. Okay?","start_word":1724,"end_word":1745,"intents":[{"intent":"Draw funds","confidence_score":0.6402939}]},{"text":"The next page does outline and show you essentially how the performance of the portfolio has performed over the last twelve months, three, and five years there for you.","start_word":1748,"end_word":1776,"intents":[{"intent":"Provide performance overview","confidence_score":0.038581982},{"intent":"Explain portfolio performance","confidence_score":0.0014984771},{"intent":"Summarize performance","confidence_score":0.004301162}]},{"text":"And if you were to scroll backwards for me, just to to page number 15, this is essentially the portfolio that will see the funds invested in and show you what it looks like and essentially the portfolio that has received the past performance. You can see that.","start_word":1778,"end_word":1825,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.046165034}]},{"text":"So whilst there isn't a balance of the portfolio, we don't really have a way of just structuring it, so it comes out of only the growth. It has to kinda come out of the whole portfolio structuring.","start_word":2834,"end_word":2871,"intents":[{"intent":"Analyze portfolio structure","confidence_score":0.026714286}]},{"text":"This way means that it does fluctuate with the market, so it is linked to the performance of your super in a way. Yeah.","start_word":2873,"end_word":2896,"intents":[{"intent":"Provide information","confidence_score":0.0306187},{"intent":"Provide information","confidence_score":0.020028673}]},{"text":"That's kind of most of the recommendations that I kinda had to go through there. As I said, there's no implementation fees for coming on board or doing this. It the recommendations are completely up to you at the end of the day.","start_word":2916,"end_word":2958,"intents":[{"intent":"Review recommendations","confidence_score":0.018895077}]},{"text":"If we're able to link it up and help you save on administration fees in both your super and the investment, we'll absolutely do so.","start_word":3090,"end_word":3114,"intents":[{"intent":"Offer advice","confidence_score":0.000026232921}]},{"text":"Markets have been very up and down. So purchasing in whilst I definitely do not try to time the market in any way, shape, or form. It's about just making sure that we understand that buying in and continuously dollar cost averaging is generally the best way to go.","start_word":3253,"end_word":3301,"intents":[{"intent":"Analyze market trends","confidence_score":0.04101196}]},{"text":"that's essentially how it works, and that's how we try to take advantage of these sorts of market conditions. Does that make sense?","start_word":3596,"end_word":3618,"intents":[{"intent":"Take advantage of market conditions","confidence_score":0.21154903}]},{"text":"So this investment is solely in your name that you get to add as much money or as little money as you want and have it growing for as long as you like.","start_word":3844,"end_word":3876,"intents":[{"intent":"Add money to investment account","confidence_score":0.022135716},{"intent":"Add money to investment account","confidence_score":0.0071453205}]},{"text":"So it does mean that at each year at tax time, you'll get a tax statement, which will have to go to your accountant, and they'll have to account for any income or capital gains within the investment, and that'll get started to your personal tax return as well. Okay.","start_word":3897,"end_word":3946,"intents":[{"intent":"Provide tax statement","confidence_score":0.008748402},{"intent":"Start tax return","confidence_score":0.33122256}]},{"text":"into there, we initiate the tell Hub 24 what investments to buy into. Normally, when the money goes in if it goes in around about their cash management time, they'll do an automatic buy and sell. But if it's outside of their normal cash management week, then we'll initiate the buy and sell. But we get notified as soon as the money hits the account so we can press go straight away and have that money invested nice and quick for you.","start_word":4002,"end_word":4083,"intents":[{"intent":"Inquire about investments","confidence_score":0.000974781}]},{"text":"And as part of your reviews, you and I'll go through your sleep, but we'll also look at your investment, look at how that's tracking, and talk about what the way the money is invested and what is happening, and we can update the advice moving forward to reflect changes that you might need to make.","start_word":4137,"end_word":4192,"intents":[{"intent":"Provide review","confidence_score":0.005379478}]},{"text":"So to the advantage of having this sort of account, building wealth for yourself, for your future, and your kids, and, you know, down the track, if you need that extra money for something, you've always got it there growing on the side. Yeah.","start_word":4206,"end_word":4249,"intents":[{"intent":"Acknowledge benefits","confidence_score":0.000052276577}]},{"text":"Is there anything particular you wanted me to kinda touch base on? Did you wanna just take it some time to go back and have a read through it, or what would you Yeah.","start_word":4255,"end_word":4288,"intents":[{"intent":"Discuss investment details","confidence_score":0.007856852},{"intent":"Offer to read through review","confidence_score":0.000005693033}]},{"text":"We've had a little bit of a backlog there, but I've been working overtime to get everything knocked out.","start_word":4390,"end_word":4408,"intents":[{"intent":"Assist with backlog","confidence_score":0.06271459}]},{"text":"And I wanna make sure we're here to help you, you know, meet your goals in every area.","start_word":4409,"end_word":4426,"intents":[{"intent":"Help with goals","confidence_score":0.32223868}]},{"text":"I love about my job is the educational value. It's not just taking the money and investing it, but helping talk to you about what it's invested in, how it works, what we can do, and working towards your goals there as well. So yeah.","start_word":4450,"end_word":4494,"intents":[{"intent":"Provide education value","confidence_score":0.06859565}]},{"text":"It'll come back to me, and then we'll start by opening up the account. One of my lovely team will give you a call, get the bank details so we can organize the direct deposit into and the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you. Yeah.","start_word":4578,"end_word":4660,"intents":[{"intent":"Open account","confidence_score":0.31105494}]},{"text":"One of my lovely team will give you a call, get the bank details so we can organize the direct deposit into and the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you. Yeah.","start_word":4592,"end_word":4660,"intents":[{"intent":"Gather bank details","confidence_score":0.05675904},{"intent":"Set up direct deposit","confidence_score":0.10276112}]}]},"sentiments":{"segments":[{"text":"Hello. Jack speaking. Hi, Jack. It's Dana from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.16677184402942655},{"text":"I'm good. Yourself? I'm very well. Thank you.","start_word":15,"end_word":22,"sentiment":"positive","sentiment_score":0.5475581288337708},{"text":"I had you booked in. I just have a bit of an updated of advice for Absolutely. the investment to sort of go through with you today. Is now still a good time?","start_word":23,"end_word":55,"sentiment":"neutral","sentiment_score":0.2096926271915436},{"text":"Fantastic.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.48541730642318726},{"text":"How's your day been so far? No. It was a good day. Yeah.","start_word":57,"end_word":69,"sentiment":"neutral","sentiment_score":0.20175209641456604},{"text":"They Fantastic.","start_word":70,"end_word":71,"sentiment":"positive","sentiment_score":0.4957127571105957},{"text":"just parked along. Doing a bit of Oh. building.","start_word":72,"end_word":80,"sentiment":"neutral","sentiment_score":0.2170293629169464},{"text":"Excellent. Excellent.","start_word":81,"end_word":82,"sentiment":"positive","sentiment_score":0.4825107455253601},{"text":"Just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Yep.","start_word":83,"end_word":112,"sentiment":"neutral","sentiment_score":0.1954617351293564},{"text":"Beautiful.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.3866583704948426},{"text":"And the security there with you as well, just to confirm your full name, your date of birth, and address just because we are discussing your personal information. Jack Russell. Yeah. '96 Yep. and 275 Mount Sidewood Road.","start_word":114,"end_word":151,"sentiment":"neutral","sentiment_score":0.0996946468949318},{"text":"Beautiful. Thank you so much for that.","start_word":152,"end_word":158,"sentiment":"positive","sentiment_score":0.4641498029232025},{"text":"Now do you happen to have access to your emails at all? Or if you don't, that's absolutely okay. I can just run through the recommendations, and then I can send the documents to you after. It's up to you. I can go get access to them. Yeah. Yeah. Beautiful. I'll Well, if you like yeah. It's okay. I'll send this document through just to your email just while you're heading over there. Excuse me. Hopefully, it pops through fairly quickly there for you. Are you waiting for me? No. You're right. That's okay. Did you want me to start kind of running through it now, or did you wanna wait want me to wait for you to pull up the email so you can have a look at it with me, or what would you prefer? If you wanna start, that'll be Yeah. good. I'm not That's too far okay. away. No. That's alright. You can always sort of run through it later sometimes. It's easier sort of when I am talking, you can see it in front of you. But at the same time, sometimes it's easier if I just run through the recommendations, and then you've got some time to go back and read the document and sort of, you know, decide whether you're happy to take those on or not. Okay?","start_word":159,"end_word":383,"sentiment":"neutral","sentiment_score":0.11424095511436462},{"text":"Yep. All good. Now when we sort of spoke last time, you wanted to sort of look at investing about $25,000 initially and then making regular contributions in and looking at maybe an investment portfolio, sorry, to see how that might look and what that can do for some of your funds there to keep it invested and keep it working harder for the future. So we have scoped in just a personal investment into this advice piece there for you. We've gone out there and had a really good look and looked at all the different investment options, the platforms available, and how do we invest the funds essentially to look at, you know, what it can do to help you moving forward.","start_word":384,"end_word":507,"sentiment":"positive","sentiment_score":0.4846712648868561},{"text":"Sorry. Yep. My voice is running out a little bit today. So if I pause, I do apologize.","start_word":508,"end_word":525,"sentiment":"neutral","sentiment_score":-0.08765682578086853},{"text":"We were looking at investing and starting with $25,000 and then making a regular contribution of a $100 on a weekly basis into the investment and looking at how this can go over the next sort of five to ten years and what it can do to sort of help you moving forward.","start_word":526,"end_word":578,"sentiment":"positive","sentiment_score":0.397758811712265},{"text":"Okay? With Yeah.","start_word":579,"end_word":581,"sentiment":"neutral","sentiment_score":0.19320884346961975},{"text":"regard to the recommendation, I am recommending that we open the investment with Hub twenty four so it is then linked to your super. You can then have everything linked in the background and sort of help to hopefully save administration fees down the track there as well.","start_word":582,"end_word":629,"sentiment":"positive","sentiment_score":0.4068116247653961},{"text":"With regards to the investment portfolio, we did look you are a little bit less so I am recommending that the funds be invested in the balanced growth portfolio, which is designed to see about 70% of the funds invested in those growth assets and still keeping you at 30% defensive, which is good.","start_word":630,"end_word":683,"sentiment":"neutral","sentiment_score":0.28580453991889954},{"text":"With the investment portfolio that I am recommending there for you, it has been an average five year rolling average there of 16.55%.","start_word":684,"end_word":706,"sentiment":"positive","sentiment_score":0.4565178155899048},{"text":"If the market was to sorta continue providing that way by making this regular contribution over the next sort of five to ten years, you could see that money grow upwards of about $70,000 over the next ten years upwards to about $160,000. That is depending upon market reactions at the same time. Okay? You say 16% average? It's averaged that over the last five years. Yeah. Yep. Okay. Sounds pretty Yeah.","start_word":707,"end_word":778,"sentiment":"neutral","sentiment_score":0.21842773258686063},{"text":"good. It does. Insane that that's what it's done over the last five years.","start_word":779,"end_word":792,"sentiment":"positive","sentiment_score":0.5010099411010742},{"text":"It is really important that we can sort of project this based on the past performance. However, I don't expect this portfolio to get 16% every year moving forward. We are seeing quite a bit of volatility with the markets and what is happening there. So the same with Yesuper. We're looking at what it has done on average over the past couple of years to kind of show us the expected in the future. But we know that markets react differently. Since some years, you might get a 25% return. Other years, it might be a 20% return. It could be 16%. It could also be a 10 or a 5% return some years as well. So it does just depend upon what the market is doing. And that's why we Yeah. are recommending to continue with the dollar cost averaging. Putting a $100 in on a weekly basis means that you can take advantage of those market ups and downs. So when the market is not performing as well, you're still putting that $100 in. You're buying more units of the investment, and it helps to sort of even out the risk, even out your returns, and help to even out the buy price in the investments as well. Okay? Yep. Now the same as with this you're What right. one Sorry? just jump in. I'm just looking at my Yeah. emails. Yeah. I got four documents from you. Go. This yeah. So this one here, if you have a look, it should be this. You open the email. I think it says a little it has a little sign button. If you click on that, it takes you through so you can see the statement of advice. Yeah.","start_word":793,"end_word":1083,"sentiment":"neutral","sentiment_score":0.0803269980494509},{"text":"That's okay.","start_word":1084,"end_word":1085,"sentiment":"positive","sentiment_score":0.34754249453544617},{"text":"It'll it won't ask you to sign anything until you've read it, so you don't have to sign anything. You get to take it back and read it as Yeah. Right. No well. worries. Yeah. Yep. I'm looking at it. I'm looking at it now.","start_word":1086,"end_word":1130,"sentiment":"neutral","sentiment_score":0.18606965243816376},{"text":"Beautiful. Oh, good. If you're happy to I'm actually down on page number, sorry, 17 for you, which has got essentially the rundown of the recommendations and the cost involved.","start_word":1131,"end_word":1160,"sentiment":"positive","sentiment_score":0.3643400967121124},{"text":"Yep. Yep.","start_word":1161,"end_word":1162,"sentiment":"neutral","sentiment_score":0.2053001374006271},{"text":"Perfect.","start_word":1163,"end_word":1163,"sentiment":"positive","sentiment_score":0.5262545347213745},{"text":"Sure. This doesn't look like too much to me, to be honest off the top of my head. Oh, this is like this this is the split of where they'll be. Yeah. So you're looking at page number six 17. Is that right? Wait. I think so. It's the fee comparison table as the headline heading? Oh, yep. Yep. Yeah. I think I was a page Yep. off. No. All good. So you'll see that the current is showing the cash holding at the moment of the 20 Yep. $5,000. Obviously, they're sitting in cash. The recommended is they're investing into the high 20 4 investment option. You'll see the starting balance does go down slightly by a $161. That's the expected by cost sorry. The by cost of purchasing into the investments. The same as with your super, we do have administration fees, investment fees, any other fees applicable there, and the ongoing service fee, which for the investment that as it kind of went through initially is slightly different. So we just charge the one point, sorry, 1.1% on your super. Okay. Oh, so on your Yeah. investment account I do apologize. It's a super accident. Essentially, that's on the super account. So we do expect based on the current balance there, the ongoing service fee for the first twelve months is $313. That's for us looking after the investment account alongside your super there, making sure that it is working harder for you. We'll review this along with your super to make sure the investments are working harder, and we can alter and make changes to the investment portfolio the same as we do with your super there. Okay? Yep. Underneath that, you'll also see the contributions going in. So a $100 on a weekly basis just being a dollar cost average in. With Hub twenty four, if you wanted to be set up as a regular direct debit, they do direct debits once a month. So it'd be about $400 on a monthly basis coming out as a lump sum. Alternatively, you can set it up as, like, a BPay transaction from your from your net banking account, and you can do it on a weekly basis if you want it to be true dollar cost averaging. Okay? Yep.","start_word":1164,"end_word":1546,"sentiment":"neutral","sentiment_score":0.02114930021389346},{"text":"Perfect.","start_word":1547,"end_word":1547,"sentiment":"positive","sentiment_score":0.4108351469039917},{"text":"Yep. Underneath that, you'll see the essentially, the balance growth investment option there. So it does show you the five year rolling average. As I mentioned, this portfolio has shown over the past five years to average about 16.55%. And underneath that, you'll see the projection table there as well. So projecting at four if the market performed the way it has over the past five years. In the next five years, by following the investment, you could end up with about 73,000. If you continued on over the next ten years, it could end up with about a 160.","start_word":1548,"end_word":1647,"sentiment":"neutral","sentiment_score":0.1561550348997116},{"text":"The benefits of having the investment account is unlike super, you can be putting as much money as you want into this. So if you have extra deposits you wanna put in each year or, you know, you've got a bit of extra money aside you wanted to have invested, you can make those deposits at any time.","start_word":1648,"end_word":1705,"sentiment":"positive","sentiment_score":0.4411935806274414},{"text":"There's no caps.","start_word":1706,"end_word":1708,"sentiment":"neutral","sentiment_score":0.30908405780792236},{"text":"There's no restrictions on putting money into the investments. And these are very liquid investments. So if you need the money back at any point, we can always draw the funds out for you as well.","start_word":1709,"end_word":1744,"sentiment":"positive","sentiment_score":0.3640108704566955},{"text":"Okay?","start_word":1745,"end_word":1745,"sentiment":"neutral","sentiment_score":0.21779364347457889},{"text":"Yep. Perfect. The next page does outline and show you essentially how the performance of the portfolio has performed over the last twelve months, three, and five years there for you.","start_word":1746,"end_word":1776,"sentiment":"positive","sentiment_score":0.3813827931880951},{"text":"And if you were to scroll backwards for me, just to to page number 15, this is essentially the portfolio that will see the funds invested in and show you what it looks like and essentially the portfolio that has received the past performance. You can see that. Okay? So at the moment, you'll see you've got your liquid assets there at the very top. It is 25,000 to begin with. With the portfolio within Hub twenty four, they will start with the cybersecurity side of things. We essentially so sorry. We'll see about 4% invested in the beta share cybersecurity.","start_word":1777,"end_word":1877,"sentiment":"neutral","sentiment_score":0.12456099689006804},{"text":"Cybersecurity is still a great area of of growth, and it's important to have a little bit of that in your portfolio.","start_word":1878,"end_word":1899,"sentiment":"positive","sentiment_score":0.36216360330581665},{"text":"You'll see some Europeans and Japanese exposure there, so giving you access to other markets. The Vanguard or WorldX US, so this is giving you exposure to all the other countries by The US.","start_word":1900,"end_word":1933,"sentiment":"neutral","sentiment_score":0.2564525008201599},{"text":"It's giving you exposure to some well established countries, but also making sure you're getting access to some smaller countries as well.","start_word":1934,"end_word":1955,"sentiment":"positive","sentiment_score":0.3650095164775848},{"text":"Diversification is one of the biggest ways to mitigate long term market risk. So making sure you're invested in not just our country or The US or one or two countries.","start_word":1956,"end_word":1986,"sentiment":"neutral","sentiment_score":0.28320518136024475},{"text":"It's about making sure you're investing in all of them to take advantage of not only established markets and areas of current growth, but also market changes as well.","start_word":1987,"end_word":2015,"sentiment":"positive","sentiment_score":0.4189026951789856},{"text":"So some countries will have up up and coming areas or may provide future growth.","start_word":2016,"end_word":2030,"sentiment":"neutral","sentiment_score":0.28420132398605347},{"text":"So having that sort of investment is really important.","start_word":2031,"end_word":2039,"sentiment":"positive","sentiment_score":0.36214837431907654},{"text":"So with the Vanguard All World US sorry, ex US investment, you'll see about 7% invested in there. We also have the S and P 500 at at the moment and 25% to be invested in there. I know a lot of people are quite concerned with having investments in The US, but it is still a great place to be invested. Equities are seeing a little bit of ups and downs at the moment. However, with the S and P 500, you're essentially tracking the S and P 500 index, which means you're always gonna be invested in the top 500 companies. One of the important things with the S and P 500 index is that the investment committee that set up the index, they essentially meet every quarter, and they look at what companies are eligible to remain in the S and P 500. If they're no longer eligible, they are removed from that, and then other companies are put into place. And the S and P 500 index can encompass anywhere from 500 to 520 companies depending on who meets the criteria. So it's always a good sort of note that with that sort of investment, if something is underperforming, it is removed out of the index and something else is placed is put in the in its place. So you're always sort of tracking the top 500 of companies. Okay? Yep. With the data shares Aussie 200 there, so looking at the top 200 companies in Australia and on the ASX, which is important, it's always good to have some homegrown investments. And then we've also got some physical gold there as well. So this is a growth investment, but gold also works very defensively. So at times where your other investments or equities might not be performing as well, gold tends to do very well.","start_word":2040,"end_word":2349,"sentiment":"neutral","sentiment_score":0.13535635300701665},{"text":"Gold has seen lovely growth in the past this year, and it's also seeing some great growth just in the last week there as well. So it's always good to have a bit of physical gold there.","start_word":2350,"end_word":2386,"sentiment":"positive","sentiment_score":0.503816545009613},{"text":"And the Global x Physical Gold investment is physical gold. It's called Bullion, and it's held in the JPMorgan Chase Bank in The UK. Okay? Yep. Underneath that, we do have your defensive investments as well. So we've got the core composite bonds that are giving you exposure to income producing assets, like government and corporate bonds, and also the beta shares bank hybrids, which you do also hold in your super fund at the moment as well. Essentially, bank hybrids are, again, more of a defensive investment. They work in sort of two ways. So they do provide income a bit like bonds and 10 deposits do, but it also can be traded, and they tend to be sorry. Also, provide growth there as well. I do apologize.","start_word":2387,"end_word":2515,"sentiment":"neutral","sentiment_score":0.15043805539608002},{"text":"I'm losing my voice a little bit.","start_word":2516,"end_word":2522,"sentiment":"negative","sentiment_score":-0.38096070289611816},{"text":"So sorry. So bank hybrids are very defensive in nature.","start_word":2523,"end_word":2532,"sentiment":"neutral","sentiment_score":0.08291397243738174},{"text":"They are relatively low cost as well, and they tend to be very good for income producing. So one of the things we wanna see out of the portfolio is not only growth, but we wanna make sure your portfolio is generating incomes by way of dividends and coupon payments and interest payments out of the investments. So that gets reinvested back into your fund and helps to keep growing along with your regular dollar cost averaging into the investment.","start_word":2533,"end_word":2612,"sentiment":"positive","sentiment_score":0.4593330323696137},{"text":"Does that all make sense so far?","start_word":2613,"end_word":2619,"sentiment":"neutral","sentiment_score":0.2765403091907501},{"text":"Pretty well.","start_word":2620,"end_word":2621,"sentiment":"positive","sentiment_score":0.4203085303306579},{"text":"Yep. Yeah.","start_word":2622,"end_word":2623,"sentiment":"neutral","sentiment_score":0.2924545109272003},{"text":"To Beautiful.","start_word":2624,"end_word":2625,"sentiment":"positive","sentiment_score":0.4772455096244812},{"text":"for Do you have that's okay. Do you have for questions? You're welcome to ask me anything you like. If you, a you know, need me to kinda backtrack or go over anything, feel free newbie. to let me know there, Jack. That's what you have me here for. Yep. No. That's not all. I want to look at it, to be honest. So Yep.","start_word":2626,"end_word":2690,"sentiment":"neutral","sentiment_score":0.11283941566944122},{"text":"Perfect.","start_word":2691,"end_word":2691,"sentiment":"positive","sentiment_score":0.3549974262714386},{"text":"and, yeah, I just I guess one thing I was just thinking it was the 1.1 commission. That's on how much you're making, Not on the total of the portfolio? So the ongoing, sorry, the ongoing fee of 1.1%, that is based on the balance in the portfolio. But, essentially, the idea of percentage based fee is the same as your super ongoing service fee is that it fluctuates with the market. So, essentially, having having a look at the way the market is performing, if the market is doing really well, if your investment portfolio is getting higher returns, then it means that we're gonna obviously make more money as well. However, if Yes. the market does take a bit of a dip, it means that the ongoing sales, say, takes a bit of a dip there with it as well. So whilst there isn't a balance of the portfolio, we don't really have a way of just structuring it, so it comes out of only the growth. It has to kinda come out of the whole portfolio structuring. This way means that it does fluctuate with the market, so it is linked to the performance of your super in a way. Yeah. Yeah. Right. Yes. Yeah. No.","start_word":2692,"end_word":2900,"sentiment":"neutral","sentiment_score":0.029538746031990464},{"text":"All good. All good. Having a look.","start_word":2901,"end_word":2907,"sentiment":"positive","sentiment_score":0.41944313049316406},{"text":"Everything else is pretty well straightforward No. there. That's kind of most of the recommendations that I kinda had to go through there. As I said, there's no implementation fees for coming on board or doing this.","start_word":2908,"end_word":2944,"sentiment":"neutral","sentiment_score":0.2351304590702057},{"text":"It the recommendations are completely up to you at the end of the day.","start_word":2945,"end_word":2958,"sentiment":"positive","sentiment_score":0.4702611565589905},{"text":"Did you have any questions in relation to anything? Did you just wanna sorta take it back and have a bit of a read through the document? Or Yeah. Not too many questions. Just, I suppose, yeah. like, if I download the Hub 24 app, Yep. this will be linked in there as well once once if we go ahead with it all. Absolutely. Yeah. So you'll be able to see your super fund and the investment account attached there. Be able to look at them both in the same place. There is obviously the advantages, disadvantages, and risks involved in this Yep.","start_word":2959,"end_word":3061,"sentiment":"neutral","sentiment_score":0.14346782863140106},{"text":"document, so you're welcome to go forward and have a look at those.","start_word":3062,"end_word":3074,"sentiment":"positive","sentiment_score":0.33479732275009155},{"text":"We can link everything in the back end as well. So if it's able yeah.","start_word":3075,"end_word":3089,"sentiment":"neutral","sentiment_score":0.24445870518684387},{"text":"If we're able to link it up and help you save on administration fees in both your super and the investment, we'll absolutely do so. Having them both in the same platform means you'd be able to see them both on the same app, which is a benefit there for you, but also just making sure that you're aware that the money is invested in the market.","start_word":3090,"end_word":3156,"sentiment":"positive","sentiment_score":0.3959053158760071},{"text":"The markets do react differently, and we're seeing a bit of volatility at the moment. So markets can go up and down there.","start_word":3157,"end_word":3179,"sentiment":"neutral","sentiment_score":0.06410089135169983},{"text":"But, yeah, you'll be able to see everything in the one place to make it nice and easy for you.","start_word":3180,"end_word":3199,"sentiment":"positive","sentiment_score":0.4731659591197967},{"text":"If you do happen to need funds, all these investments are very liquid, so the money can be drawn out fairly quickly for you as well. Okay? Yep. Yeah. Yeah. Right. And Oh, good. and, like, right now is probably not the worst time to buy. I would because that Correct. would Yes. Markets have been very up and down. So purchasing in whilst I definitely do not try to time the market in any way, shape, or form. It's about just making sure that we understand that buying in and continuously dollar cost averaging is generally the best way to go. I can't tell when the top of the bottom of the market is, so I just don't don't try. Most people who try to pick the bottom top of the bottom tend to miss it.","start_word":3200,"end_word":3336,"sentiment":"neutral","sentiment_score":-0.008079711483777875},{"text":"And if you miss it by a few days, you miss out on a lot of money.","start_word":3337,"end_word":3353,"sentiment":"negative","sentiment_score":-0.4121694564819336},{"text":"So we tend to just take a moment, buy into the investment. And then by dollar cost averaging, you're buying into all the investments and taking advantage of advantage of the market ups and downs. So when we see a downtime where the portfolio might be down a bit, your same amount of money goes in, you buy into those units into the investments at a discounted rate. And as the portfolio comes out and shows recovery, you'll actually have, you know, reduced your buy price a little bit, gained from a little bit more growth there as well. And the other buy a few more units of those investments, the best way to sort of look at it is if you own, say, CBA, sorry, and you bought that for, say, $50 per share, the next day it went up to, say, a $100 per share, you've made a 50% gain on that one. If it then the next day went down to $20 per share and you invested another $100 in, you're buying in at $20. So you end up buying more units to that investment than you would have initially with the same $100.","start_word":3354,"end_word":3550,"sentiment":"neutral","sentiment_score":0.20202724635601044},{"text":"And then the next day, it goes back up to a $100, and you own more units to that investment, and it's made more money for you.","start_word":3551,"end_word":3577,"sentiment":"positive","sentiment_score":0.3740785419940949},{"text":"And you bought in at the dip without having to time the the market, essentially. So Yeah.","start_word":3578,"end_word":3594,"sentiment":"neutral","sentiment_score":0.2756457030773163},{"text":"that's essentially how it works, and that's how we try to take advantage of these sorts of market conditions.","start_word":3595,"end_word":3613,"sentiment":"positive","sentiment_score":0.37481608986854553},{"text":"Does that make sense? Yeah. Yeah. And Okay. when you do, like because there would be times when, like, you look at the you probably look at it and go, this is an obvious one to buy. Mhmm. Yep. And, like, if I was looking at it and thinking the same thing and I put more money into my hub 24, Yeah. you you guys would order that. When when the money when there's money in there, you like, I I don't have to tell you if I wanna put a bit extra money in. I can just sort of do it. No. And Yeah. Correct. Yeah. So yeah.","start_word":3614,"end_word":3722,"sentiment":"neutral","sentiment_score":0.16827011108398438},{"text":"Definitely. You'll actually get bank account information for the Hub twenty four investment and account.","start_word":3723,"end_word":3737,"sentiment":"positive","sentiment_score":0.3539491295814514},{"text":"And unlike your super, there's no contributions caps or anything like that.","start_word":3738,"end_word":3749,"sentiment":"neutral","sentiment_score":0.17116117477416992},{"text":"This is your money in your own name. So if you have a bit of extra cash you wanna put in on a random day or you feel like it's dropped a little bit, you wanna sort of take advantage of that, you can absolutely put more money in.","start_word":3750,"end_word":3798,"sentiment":"positive","sentiment_score":0.41781213879585266},{"text":"You don't have to tell us.","start_word":3799,"end_word":3804,"sentiment":"neutral","sentiment_score":0.16192933917045593},{"text":"At the Yep. same time, if you want to have that conversation with me and work out whether it's a good time to buy, I'm I'm more than happy to sort of make that help you make that decision. So this investment is solely in your name that you get to add as much money or as little money as you want and have it growing for as long as you like.","start_word":3805,"end_word":3876,"sentiment":"positive","sentiment_score":0.5128199458122253},{"text":"It is really important to note that the it is a personal investment account, and it is in your name. So it does mean that at each year at tax time, you'll get a tax statement, which will have to go to your accountant, and they'll have to account for any income or capital gains within the investment, and that'll get started to your personal tax return as well. Okay. Yep. Yeah. Fair enough.","start_word":3877,"end_word":3950,"sentiment":"neutral","sentiment_score":0.16912466287612915},{"text":"Yeah. Perfect.","start_word":3951,"end_word":3952,"sentiment":"positive","sentiment_score":0.45887044072151184},{"text":"So sort of as soon as soon Mhmm. as I transfer it in there, it's, like, not as soon as I do it, but then, yeah, it sort of or does it automatically get invested into those companies then? Yeah. It does. So when you put the money Yeah. into there, we initiate the tell Hub 24 what investments to buy into. Normally, when the money goes in if it goes in around about their cash management time, they'll do an automatic buy and sell. But if it's outside of their normal cash management week, then we'll initiate the buy and sell. But we get notified as soon as the money hits the account so we can press go straight away and have that money invested nice and quick for you. Yeah. Right. Yes. Yep. That sounds Yeah.","start_word":3953,"end_word":4090,"sentiment":"neutral","sentiment_score":0.12324129941238872},{"text":"good.","start_word":4091,"end_word":4091,"sentiment":"positive","sentiment_score":0.3369840979576111},{"text":"Not that I'm Oh, good. not that I followed too much, but now I got if I got money in there, I'll Yeah. probably be able to game every now and then or something.","start_word":4092,"end_word":4125,"sentiment":"neutral","sentiment_score":0.06696885824203491},{"text":"Absolutely. And you wanna make sure it's working. It's absolutely fine.","start_word":4126,"end_word":4136,"sentiment":"positive","sentiment_score":0.4976389706134796},{"text":"And as part of your reviews, you and I'll go through your sleep, but we'll also look at your investment, look at how that's tracking, and talk about what the way the money is invested and what is happening, and we can update the advice moving forward to reflect changes that you might need to make.","start_word":4137,"end_word":4192,"sentiment":"neutral","sentiment_score":0.3035147488117218},{"text":"And you've got me here to obviously keep looking at it with you. So to the advantage of having this sort of account, building wealth for yourself, for your future, and your kids, and, you know, down the track, if you need that extra money for something, you've always got it there growing on the side.","start_word":4193,"end_word":4248,"sentiment":"positive","sentiment_score":0.563991129398346},{"text":"Yeah.","start_word":4249,"end_word":4249,"sentiment":"neutral","sentiment_score":0.30178102850914},{"text":"Absolutely. Yeah. Perfect. All good.","start_word":4250,"end_word":4254,"sentiment":"positive","sentiment_score":0.5654962658882141},{"text":"Is there anything particular you wanted me to kinda touch base on? Did you wanna just take it some time to go back and have a read through it, or what would you Yeah. I probably will just yeah. Maybe later tonight if I can yep. hear you. Young Angus out here crying, so I better not stay too long. But, No.","start_word":4255,"end_word":4316,"sentiment":"neutral","sentiment_score":-0.01793001778423786},{"text":"yeah, That's I might just absolutely I'll have a fine.","start_word":4317,"end_word":4326,"sentiment":"positive","sentiment_score":0.3409116566181183},{"text":"quick look for it. Yeah. But, yeah, like, we sort of we sort of made this plan a while ago. So, yeah, I'm probably gonna be K. pretty happy to proceed, to be honest. Yeah.","start_word":4327,"end_word":4361,"sentiment":"neutral","sentiment_score":0.13537850975990295},{"text":"That's perfectly fine. I'm happy to help you out.","start_word":4362,"end_word":4370,"sentiment":"positive","sentiment_score":0.6865354180335999},{"text":"As I said, it's really I do apologize for taking a bit longer to get this presented to you. We've had a little bit of a backlog there, but I've been working overtime to get everything knocked out.","start_word":4371,"end_word":4408,"sentiment":"neutral","sentiment_score":0.005775563884526491},{"text":"And I wanna make sure we're here to help you, you know, meet your goals in every area. So looking forward to, you know, whatever you decide, I'm here to support you along the way.","start_word":4409,"end_word":4443,"sentiment":"positive","sentiment_score":0.4557129740715027},{"text":"So and part of what Yeah.","start_word":4444,"end_word":4449,"sentiment":"neutral","sentiment_score":0.1305665522813797},{"text":"I love about my job is the educational value. It's not just taking the money and investing it, but helping talk to you about what it's invested in, how it works, what we can do, and working towards your goals there as well. So yeah. That's that sounds good. Easy. All good. All good.","start_word":4450,"end_word":4503,"sentiment":"positive","sentiment_score":0.507472038269043},{"text":"Well, I'll let you go. You can go and look after Angus. I will you've got the documents there. Feel free to have a read through it. If you wanna talk to Erin, absolutely okay. And if you do happen to have any questions, let me know. Okay? Yeah. No worries. And Here you see. when I'm ready, I I can just sign sign this Yep. here now Yep. Yep. Just sign the document. It'll come back to me, and then we'll start by opening up the account. One of my lovely team will give you a call, get the bank details so we can organize the direct deposit into and the account, and then we'll work out with you whether you wanna have control over depositing that money on a weekly basis or whether you want a direct debit set up so that the funds is automatically transferred in to make it easier for you. Yeah.","start_word":4504,"end_word":4660,"sentiment":"neutral","sentiment_score":0.17291204631328583},{"text":"That sounds good. Yeah. Beautiful. All good. Lovely. Well, I will let you go there, Jack. I thank you so much for taking the time tonight to run through this with me. I hope you have a lovely evening. I'll let you go to, hang out with Angus, and have a good rest of your night. And you just let me know if there's anything that you need or any other questions you have.","start_word":4661,"end_word":4734,"sentiment":"positive","sentiment_score":0.6161518419111097},{"text":"Does that sound okay?","start_word":4735,"end_word":4738,"sentiment":"neutral","sentiment_score":0.16876541078090668},{"text":"No. That's ugly.","start_word":4739,"end_word":4741,"sentiment":"negative","sentiment_score":-0.4321508705615998},{"text":"Thank you. My pleasure. Bye. You have an amazing evening. Thank you for your time. You too. Thanks. See you. See you later.","start_word":4742,"end_word":4764,"sentiment":"positive","sentiment_score":0.5868093967437744},{"text":"Bye.","start_word":4765,"end_word":4765,"sentiment":"neutral","sentiment_score":0.2037055492401123}],"average":{"sentiment":"neutral","sentiment_score":0.20161870692883424}}}}